BlastPoint's Banking Scorecard

Farmers & Merchants Bank of Craig County

under $100M Specialty: Other VA FDIC cert 9986

Designations: ✓ Community bank

New Castle, VA

541 banks in the under $100M peer group nationally 5 in VA

Farmers & Merchants Bank of Craig County 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

+ Delinquency Rate 1.37% below tier average
+ ROA 0.41% above tier average
+ Efficiency Ratio 30.42% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.19% below tier average

Get updates when Farmers & Merchants Bank of Craig County releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (VA)	National Avg	Tier Percentile
Total Assets ?	$93.5M +4.6% YoY +0.8% QoQ	+$31.3M	$62.2M -0.6% YoY	$17.9B +25.7% YoY	$6.2B +9.1% YoY	Top 8.1% in tier
Total Loans ?	$59.6M +11.6% YoY +0.1% QoQ	+$25.4M	$34.2M -1.4% YoY	$10.6B +27.9% YoY	$3.2B +10.8% YoY	Top 11.8% in tier
Total Deposits ?	$77.6M +4.6% YoY +1.0% QoQ	+$25.8M	$51.7M -0.7% YoY	$14.1B +22.4% YoY	$4.8B +8.2% YoY	Top 13.1% in tier
Return on Assets ?	1.25% +37.5% YoY +24.5% QoQ	+0.41%	0.84% -2.3% YoY	1.15% +53.9% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.67% +11.5% YoY +5.6% QoQ	-0.19%	3.86% +2.8% YoY	3.81% +7.1% YoY	3.89% +5.7% YoY	41%
Efficiency Ratio ?	57.93% -12.8% YoY -6.8% QoQ	-30.42%	88.34% +0.3% YoY	65.58% -7.6% YoY	66.95% -4.1% YoY	79%
Delinquency Rate ?	0.00%	-1.37%	1.37% +33.8% YoY	0.77% +12.4% YoY	0.95% +18.8% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	76.85% +6.7% YoY -0.8% QoQ	+12.64%	64.22% -0.7% YoY	79.34% +0.5% YoY	76.70% +0.9% YoY	32%
Non-Interest-Bearing Deposit Share ?	28.17% +5.7% YoY +9.4% QoQ	+4.46%	23.71% +0.3% YoY	25.27% -0.4% YoY	22.01% -1.2% YoY	69%
Nonperforming Asset Ratio ?	0.04% -4.4% YoY -0.8% QoQ	-0.75%	0.79% +28.2% YoY	0.55% +12.2% YoY	0.67% +19.3% YoY	65%
Tier 1 Capital Ratio ?	16.68% -0.9% YoY -1.8% QoQ	-10.01%	26.68% +2.0% YoY	16.28% +2.7% YoY	17.06% +0.8% YoY	57%
Non-Interest Income / Assets ?	0.04% +0.8% YoY -81.2% QoQ	-0.62%	0.67% +1.9% YoY	0.18% +27.1% YoY	0.32% +4.1% YoY	33%

Get Full Access to Farmers & Merchants Bank of Craig County

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

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

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 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 (5 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 1.37%

#1 of 521 Top 0.1% in under $100M

Total Assets

size

Value: $93.50M

Peer Median: $62.16M

#45 of 541 Top 8.1% in under $100M

Total Loans

size

Value: $59.62M

Peer Median: $34.25M

#65 of 541 Top 11.8% in under $100M

Total Deposits

size

Value: $77.58M

Peer Median: $51.74M

#72 of 541 Top 13.1% in under $100M

117

Efficiency Ratio

profitability

Value: 57.93%

Peer Median: 88.34%

#117 of 541 Top 21.4% in under $100M

Top Weaknesses (0 metrics)

No weakness rankings available