BlastPoint's Banking Scorecard

Farmers & Merchants Bank

$1B-$10B Specialty: Commercial VA FDIC cert 8668

Designations: ✓ Community bank

Timberville, VA

15 branches across VA

884 banks in the $1B-$10B peer group nationally 24 in VA

Farmers & Merchants Bank has 1 strength but faces 3 concerns

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

+ Delinquency Rate 0.35% below tier average

Key Concerns

Areas that may need attention

- ROA 0.42% below tier average
- Net Interest Margin 0.22% below tier average
- Efficiency Ratio 9.76% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$1.4B +7.4% YoY +2.6% QoQ	-$1.4B	$2.8B -0.1% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	29%
Total Loans ?	$892.6M +8.9% YoY +1.3% QoQ	-$1.1B	$2.0B +0.6% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	24%
Total Deposits ?	$1.3B +6.4% YoY +2.6% QoQ	-$1.1B	$2.3B -0.3% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	36%
Return on Assets ?	0.94% +27.7% YoY +11.5% QoQ	-0.42%	1.37% +19.6% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	29%
Net Interest Margin ?	3.59% +13.2% YoY +5.2% QoQ	-0.22%	3.82% +6.9% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	47%
Efficiency Ratio ?	70.82% -7.2% YoY +2.1% QoQ	+9.76%	61.06% -4.6% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	21%
Delinquency Rate ?	0.54% -50.2% YoY -20.8% QoQ	-0.35%	0.89% +14.1% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	51%
Loan-to-Deposit Ratio ?	69.54% +2.3% YoY -1.3% QoQ	-14.67%	84.20% +0.3% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	84%
Non-Interest-Bearing Deposit Share ?	23.27% +1.3% YoY +2.2% QoQ	+1.98%	21.29% -2.5% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	66%
Nonperforming Asset Ratio ?	0.34% -50.0% YoY -21.8% QoQ	-0.33%	0.67% +15.6% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	59%
Tier 1 Capital Ratio ?	13.18% +4.9% YoY +0.5% QoQ	-1.98%	15.16% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	52%
Non-Interest Income / Assets ?	0.17% -10.1% YoY -75.0% QoQ	-0.09%	0.26% +1.6% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	61%

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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 884 peers in $1B-$10B

Top Strengths (1 metrics)

146

Loan-to-Deposit Ratio

liquidity

Value: 69.54%

Peer Median: 84.20%

#146 of 884 Top 16.4% in $1B-$10B

Top Weaknesses (2 metrics)

700

Efficiency Ratio

profitability

Value: 70.82%

Peer Median: 61.06%

#700 of 884 Bottom 20.9% in $1B-$10B

672

Total Loans

size

Value: $892.65M

Peer Median: $1.96B

#672 of 884 Bottom 24.1% in $1B-$10B