BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Designations: ✓ Community bank
Maysville, OK
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 536 banks in the under $100M peer group nationwide — 1 of 39 in OK.
- Deposits -2.4% year over year ($19.6M on the books).
- Delinquency rate 1.65%.
- Return on assets 1.75%.
- Efficiency ratio 71.14% vs a 119.40% peer average.
- Loan-to-deposit ratio 60.45% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Bank has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 1.64% above tier average
- + ROA 0.75% above tier average
- + Efficiency Ratio 48.25% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 0.17% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.0M
-1.4% YoY
-1.4% QoQ
|
-$40.4M |
$62.4M
-0.0% YoY
|
$1.3B
+6.0% YoY
|
$6.3B
+7.7% YoY
|
Bottom 5.4% in tier |
| Total Loans ? |
$11.9M
-5.4% YoY
+5.3% QoQ
|
-$23.0M |
$34.9M
-0.6% YoY
|
$835.5M
+7.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 12.5% in tier |
| Total Deposits ? |
$19.6M
-2.4% YoY
-1.9% QoQ
|
-$32.0M |
$51.6M
-0.2% YoY
|
$967.8M
+5.8% YoY
|
$4.9B
+7.3% YoY
|
Bottom 9.7% in tier |
| Return on Assets ? |
1.75%
+217.6% YoY
+6.2% QoQ
|
+0.75% |
1.00%
+3.5% YoY
|
1.35%
+7.7% YoY
|
1.30%
+12.1% YoY
|
83% |
| Net Interest Margin ? |
5.56%
-12.2% YoY
-0.8% QoQ
|
+1.64% |
3.91%
+2.3% YoY
|
4.27%
+1.9% YoY
|
3.95%
+4.9% YoY
|
Top 4.5% in tier |
| Efficiency Ratio ? |
71.14%
+7.5% YoY
-0.5% QoQ
|
-48.25% |
119.40%
+49.6% YoY
|
64.81%
-3.0% YoY
|
70.05%
+2.5% YoY
|
49% |
| Delinquency Rate ? |
1.65%
-62.6% YoY
-56.3% QoQ
|
+0.17% |
1.48%
+31.8% YoY
|
1.78%
+23.7% YoY
|
0.98%
+16.3% YoY
|
26% |
| Loan-to-Deposit Ratio ? |
60.45%
-3.0% YoY
+7.3% QoQ
|
-13.76% |
74.21%
+12.6% YoY
|
74.14%
+1.3% YoY
|
79.03%
+2.3% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
33.01%
-12.3% YoY
-9.4% QoQ
|
+9.52% |
23.49%
+0.6% YoY
|
23.91%
-1.8% YoY
|
21.98%
-0.6% YoY
|
82% |
| Nonperforming Asset Ratio ? |
0.89%
-64.1% YoY
-53.3% QoQ
|
+0.05% |
0.84%
+23.0% YoY
|
1.24%
+23.1% YoY
|
0.69%
+15.8% YoY
|
26% |
| Tier 1 Capital Ratio ? |
10.89%
-26.3% YoY
+4.7% QoQ
|
-16.24% |
27.13%
+3.0% YoY
|
14.18%
-3.9% YoY
|
17.09%
+0.8% YoY
|
Bottom 11.8% in tier |
| Non-Interest Income / Assets ? |
0.15%
-47.8% YoY
+81.5% QoQ
|
-1.23% |
1.38%
+6.3% YoY
|
0.31%
-11.7% YoY
|
0.66%
+5.2% YoY
|
59% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
33.0%
-4.6pp YoY -3.4pp QoQ |
+8.4pp | 24.6% | 23.9% | 22.2% | 81% |
| Brokered Deposits | n/a | n/a | 9.8% | 9.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
28.7%
-1.4pp YoY -0.3pp QoQ |
+15.3pp | 13.4% | 15.7% | 12.5% | 89% |
| CRE |
15.8%
+0.5pp YoY +2.0pp QoQ |
-9.4pp | 25.2% | 42.0% | 41.4% | 36% |
| 1-4 Family |
12.0%
+2.7pp YoY +3.5pp QoQ |
-23.0pp | 35.0% | 24.0% | 31.3% | 24% |
| Consumer |
3.1%
-3.2pp YoY -2.6pp QoQ |
-4.5pp | 7.7% | 5.6% | 5.0% | 33% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.0% | 19.7% | n/a |
| Leverage Ratio |
10.9%
+1.6pp YoY +0.5pp QoQ |
-6.8pp | 17.7% | 11.7% | 12.6% | 28% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY 0 QoQ |
-5 | 12 | 150 | 482 | 20% |
| Assets per Employee ($) |
$3.1M
+12.7% YoY -1.4% QoQ |
-$3.0M | $6.2M | $6.5M | $8.8M | 9% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 8 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.9% | 0.4% | n/a |
| Nonaccrual |
1.7%
-2.8pp YoY -2.1pp QoQ |
-0.1pp | 1.7% | 1.5% | 1.0% | 70% |
| Allowance Coverage |
1.81x
+152.7% YoY +90.9% QoQ |
-4.60x | 6.41x | 61.99x | 20.23x | 58% |
| Net Charge-off Rate (YTD) |
0.5%
-2.7pp YoY +0.7pp QoQ |
+0.3pp | 0.2% | 0.2% | 0.2% | 88% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.6%
+10.4pp YoY +0.7pp QoQ |
+10.2pp | 6.4% | 11.9% | 11.6% | 88% |
| Cost of Funds (YTD) |
0.7%
+0.3pp YoY 0.0pp QoQ |
-0.7pp | 1.4% | 1.8% | 1.7% | 14% |
| Net Income ($, YTD) |
$196,000
+211.1% YoY — QoQ |
-$122K | $317,817 | $8.7M | $40.4M | 36% |
Get Full Access to Farmers and Merchants Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.