BlastPoint's Banking Scorecard
Farmers & Merchants Bank of Craig County
Designations: ✓ Community bank
New Castle, VA
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 4 in VA.
- Deposits +1.5% year over year ($76.8M on the books).
- Delinquency rate 0.00%.
- Return on assets 1.31%.
- Efficiency ratio 56.83% vs a 119.40% peer average.
- Loan-to-deposit ratio 78.82% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Merchants Bank of Craig County has 3 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 1.48% below tier average
- + ROA 0.32% above tier average
- + Efficiency Ratio 62.56% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 0.12% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$93.0M
+2.1% YoY
-0.6% QoQ
|
+$30.5M |
$62.4M
-0.0% YoY
|
$17.9B
+3.0% YoY
|
$6.3B
+7.7% YoY
|
Top 10.1% in tier |
| Total Loans ? |
$60.5M
+8.6% YoY
+1.5% QoQ
|
+$25.6M |
$34.9M
-0.6% YoY
|
$10.9B
+3.1% YoY
|
$3.2B
+9.4% YoY
|
Top 13.2% in tier |
| Total Deposits ? |
$76.8M
+1.5% YoY
-1.0% QoQ
|
+$25.1M |
$51.6M
-0.2% YoY
|
$14.1B
+3.2% YoY
|
$4.9B
+7.3% YoY
|
Top 13.4% in tier |
| Return on Assets ? |
1.31%
+38.1% YoY
+5.0% QoQ
|
+0.32% |
1.00%
+3.5% YoY
|
1.34%
+70.7% YoY
|
1.30%
+12.1% YoY
|
68% |
| Net Interest Margin ? |
3.80%
+13.1% YoY
+3.4% QoQ
|
-0.12% |
3.91%
+2.3% YoY
|
3.88%
+6.6% YoY
|
3.95%
+4.9% YoY
|
46% |
| Efficiency Ratio ? |
56.83%
-12.3% YoY
-1.9% QoQ
|
-62.56% |
119.40%
+49.6% YoY
|
62.24%
-10.7% YoY
|
70.05%
+2.5% YoY
|
79% |
| Delinquency Rate ? | 0.00% | -1.48% |
1.48%
+31.8% YoY
|
0.72%
+0.1% YoY
|
0.98%
+16.3% YoY
|
Top 0.1% in tier |
| Loan-to-Deposit Ratio ? |
78.82%
+7.0% YoY
+2.6% QoQ
|
+4.61% |
74.21%
+12.6% YoY
|
80.15%
+0.8% YoY
|
79.03%
+2.3% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
27.37%
+7.1% YoY
-2.9% QoQ
|
+3.88% |
23.49%
+0.6% YoY
|
26.19%
+3.5% YoY
|
21.98%
-0.6% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.04%
-2.0% YoY
+0.6% QoQ
|
-0.80% |
0.84%
+23.0% YoY
|
0.52%
-0.4% YoY
|
0.69%
+15.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
16.87%
+0.2% YoY
+1.2% QoQ
|
-10.25% |
27.13%
+3.0% YoY
|
16.58%
+3.9% YoY
|
17.09%
+0.8% YoY
|
57% |
| Non-Interest Income / Assets ? |
0.10%
+6.9% YoY
+147.6% QoQ
|
-1.28% |
1.38%
+6.3% YoY
|
0.52%
+72.6% YoY
|
0.66%
+5.2% YoY
|
41% |
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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
27.4%
+1.8pp YoY -0.8pp QoQ |
+2.7pp | 24.6% | 26.2% | 22.2% | 65% |
| Brokered Deposits | n/a | n/a | 9.8% | 8.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.2%
-0.6pp YoY -0.3pp QoQ |
-7.2pp | 13.4% | 11.0% | 12.5% | 28% |
| CRE | n/a | n/a | 25.2% | 46.9% | 41.4% | n/a |
| 1-4 Family |
57.0%
+3.6pp YoY +1.2pp QoQ |
+22.0pp | 35.0% | 32.6% | 31.3% | 79% |
| Consumer |
8.9%
-1.1pp YoY -0.2pp QoQ |
+1.3pp | 7.7% | 8.0% | 5.0% | 73% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 17.2% | 19.7% | n/a |
| Leverage Ratio |
16.9%
0.0pp YoY +0.2pp QoQ |
-0.8pp | 17.7% | 12.2% | 12.6% | 78% |
| Total Capital Ratio | n/a | n/a | 39.7% | 18.3% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
16
+1 (+6.7%) YoY 0 QoQ |
+4 | 12 | 1,956 | 482 | 77% |
| Assets per Employee ($) |
$5.8M
-4.3% YoY -0.6% QoQ |
-$378K | $6.2M | $9.9M | $8.8M | 46% |
| Branch Count |
1
0 YoY 0 QoQ |
-1 | 1 | 28 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 1.0% | 0.2% | 0.4% | n/a |
| Nonaccrual | n/a | n/a | 1.7% | 0.7% | 1.0% | n/a |
| Allowance Coverage | n/a | n/a | 6.41x | 9.47x | 20.23x | n/a |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.2pp | 0.2% | 0.2% | 0.2% | 38% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
7.8%
+2.1pp YoY +0.3pp QoQ |
+1.4pp | 6.4% | 12.0% | 11.6% | 48% |
| Cost of Funds (YTD) |
1.2%
-0.1pp YoY 0.0pp QoQ |
-0.3pp | 1.4% | 1.7% | 1.7% | 36% |
| Net Income ($, YTD) |
$611,000
+43.4% YoY — QoQ |
+$293K | $317,817 | $137.1M | $40.4M | 83% |
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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.