BlastPoint's Banking Scorecard

Farmers and Merchants Bank

under $100M Specialty: Agricultural OK FDIC cert 4144

Designations: ✓ Community bank

Maysville, OK

541 banks in the under $100M peer group nationally 38 in OK

Farmers and Merchants Bank has 3 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Net Interest Margin 1.74% above tier average
+ ROA 0.81% above tier average
+ Efficiency Ratio 16.87% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 2.41% above tier average

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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	-$39.8M	$62.2M -0.6% YoY	$1.2B +6.7% YoY	$6.2B +9.1% YoY	Bottom 5.5% in tier
Total Loans ?	$11.3M -9.8% YoY -1.2% QoQ	-$23.0M	$34.2M -1.4% YoY	$822.6M +7.2% YoY	$3.2B +10.8% YoY	Bottom 12.4% in tier
Total Deposits ?	$20.0M -7.4% YoY -2.2% QoQ	-$31.8M	$51.7M -0.7% YoY	$956.7M +4.7% YoY	$4.8B +8.2% YoY	Bottom 9.4% in tier
Return on Assets ?	1.65% -24.4% YoY +30.5% QoQ	+0.81%	0.84% -2.3% YoY	1.34% +7.6% YoY	1.23% +13.4% YoY	82%
Net Interest Margin ?	5.60% -15.7% YoY -9.3% QoQ	+1.74%	3.86% +2.8% 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	-16.87%	88.34% +0.3% YoY	65.16% -1.8% YoY	66.95% -4.1% YoY	50%
Delinquency Rate ?	3.78% +529.5% YoY -0.6% QoQ	+2.41%	1.37% +33.8% YoY	1.61% +16.3% YoY	0.95% +18.8% YoY	Bottom 9.2% in tier
Loan-to-Deposit Ratio ?	56.33% -2.5% YoY +1.0% QoQ	-7.89%	64.22% -0.7% YoY	73.83% +1.6% YoY	76.70% +0.9% YoY	63%
Non-Interest-Bearing Deposit Share ?	36.43% -16.8% YoY +2.5% QoQ	+12.72%	23.71% +0.3% YoY	23.68% -1.7% YoY	22.01% -1.2% YoY	Top 11.3% in tier
Nonperforming Asset Ratio ?	1.91% +501.2% YoY +0.1% QoQ	+1.12%	0.79% +28.2% YoY	1.12% +15.3% YoY	0.67% +19.3% YoY	Bottom 12.0% in tier
Tier 1 Capital Ratio ?	10.40% -30.0% YoY +4.5% QoQ	-16.28%	26.68% +2.0% YoY	14.36% -1.8% YoY	17.06% +0.8% YoY	Bottom 9.1% in tier
Non-Interest Income / Assets ?	0.09% -55.3% YoY -80.8% QoQ	-0.58%	0.67% +1.9% YoY	0.15% -5.6% YoY	0.32% +4.1% YoY	63%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 541 peers in under $100M

Top Strengths (3 metrics)

Net Interest Margin

profitability

Value: 5.60%

Peer Median: 3.86%

#22 of 541 Top 3.9% in under $100M

Non-Interest-Bearing Deposit Share

funding

Value: 36.43%

Peer Median: 23.71%

#62 of 541 Top 11.3% in under $100M

Return on Assets

profitability

Value: 1.65%

Peer Median: 0.84%

#96 of 541 Top 17.6% in under $100M

Top Weaknesses (6 metrics)

512

Total Assets

size

Value: $22.33M

Peer Median: $62.16M

#512 of 541 Bottom 5.5% in under $100M

493

Tier 1 Capital Ratio

capital

Value: 10.40%

Peer Median: 26.68%

#493 of 541 Bottom 9.1% in under $100M

474

Delinquency Rate

credit_quality

Value: 3.78%

Peer Median: 1.37%

#474 of 521 Bottom 9.2% in under $100M

491

Total Deposits

size

Value: $19.98M

Peer Median: $51.74M

#491 of 541 Bottom 9.4% in under $100M

477

Nonperforming Asset Ratio

credit_quality

Value: 1.91%

Peer Median: 0.79%

#477 of 541 Bottom 12.0% in under $100M

475

Total Loans

size

Value: $11.26M

Peer Median: $34.25M

#475 of 541 Bottom 12.4% in under $100M