BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Designations: ✓ Community bank
Maysville, OK
Farmers and Merchants Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.73% above tier average
- + ROA 0.79% above tier average
- + Efficiency Ratio 16.15% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 2.42% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.3M
-5.5% YoY
-1.9% QoQ
|
-$39.9M |
$62.3M
-0.5% YoY
|
$1.2B
+6.7% YoY
|
$6.2B
+9.0% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$11.3M
-9.8% YoY
-1.2% QoQ
|
-$23.0M |
$34.3M
-1.5% YoY
|
$822.6M
+7.2% YoY
|
$3.2B
+10.7% YoY
|
Bottom 12.3% in tier |
| Total Deposits ? |
$20.0M
-7.4% YoY
-2.2% QoQ
|
-$31.8M |
$51.8M
-0.6% YoY
|
$956.7M
+4.7% YoY
|
$4.8B
+8.0% YoY
|
Bottom 9.1% in tier |
| Return on Assets ? |
1.65%
-24.4% YoY
+30.5% QoQ
|
+0.79% |
0.86%
-3.6% YoY
|
1.34%
+7.6% YoY
|
1.24%
+13.1% YoY
|
82% |
| Net Interest Margin ? |
5.60%
-15.7% YoY
-9.3% QoQ
|
+1.73% |
3.87%
+2.7% YoY
|
4.25%
+2.4% YoY
|
3.89%
+5.7% YoY
|
Top 3.9% in tier |
| Efficiency Ratio ? |
71.48%
+6.6% YoY
+6.7% QoQ
|
-16.15% |
87.63%
+2.3% YoY
|
65.16%
-1.8% YoY
|
66.84%
-3.8% YoY
|
49% |
| Delinquency Rate ? |
3.78%
+529.5% YoY
-0.6% QoQ
|
+2.42% |
1.36%
+33.7% YoY
|
1.61%
+16.3% YoY
|
0.95%
+18.8% YoY
|
Bottom 8.9% in tier |
| Loan-to-Deposit Ratio ? |
56.33%
-2.5% YoY
+1.0% QoQ
|
-7.78% |
64.11%
-0.9% YoY
|
73.83%
+1.6% YoY
|
76.69%
+0.9% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
36.43%
-16.8% YoY
+2.5% QoQ
|
+12.64% |
23.79%
+0.5% YoY
|
23.68%
-1.7% YoY
|
22.01%
-1.1% YoY
|
Top 11.4% in tier |
| Nonperforming Asset Ratio ? |
1.91%
+501.2% YoY
+0.1% QoQ
|
+1.13% |
0.77%
+28.7% YoY
|
1.12%
+15.3% YoY
|
0.66%
+19.3% YoY
|
Bottom 11.7% in tier |
| Tier 1 Capital Ratio ? |
10.40%
-30.0% YoY
+4.5% QoQ
|
-16.37% |
26.77%
+2.0% YoY
|
14.36%
-1.8% YoY
|
17.06%
+0.8% YoY
|
Bottom 8.9% in tier |
| Non-Interest Income / Assets ? |
0.09%
-55.3% YoY
-80.8% QoQ
|
-0.59% |
0.67%
+1.6% YoY
|
0.15%
-5.6% YoY
|
0.32%
+4.0% YoY
|
64% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.