Farmers and Merchants Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 170.35 percentage points lower than in Q1 2026, at 433.65%. Farmers and Merchants Bank ranks 75th of 169 Oklahoma banks on return on assets, in the upper half at 1.54% (Q2 2026). Farmers and Merchants Bank's return on assets of 1.54% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.55 points (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 13.00% |
| Equity capital to assets | 12.43% |
| Tangible equity to tangible assets | 12.43% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.42% |
| Non-performing assets ratio | 0.13% |
| Net charge-off ratio | 0.34% |
| Texas ratio | 1.00% |
| Allowance for credit losses to loans | 1.84% |
| Reserve coverage of non-performing loans | 433.65% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.54% |
| Return on equity | 12.58% |
| Net interest margin | 3.14% |
| Efficiency ratio | 50.49% |
| Yield on earning assets | 4.67% |
| Cost of funds | 1.71% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.09% |
| Core deposits to total deposits | 88.67% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.98% |
| Securities to assets | 43.03% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 13.40% | 1.73% | 3.37% | 0.10% | 0.07% |
| Q4 2023 | 13.27% | 1.40% | 3.24% | 0.03% | 0.28% |
| Q1 2024 | 13.18% | 1.72% | 3.23% | 0.03% | -0.27% |
| Q2 2024 | 13.01% | 1.75% | 3.29% | 0.11% | -0.27% |
| Q3 2024 | 13.14% | 2.02% | 3.62% | 0.00% | 0.20% |
| Q4 2024 | 12.93% | 1.11% | 3.22% | 0.08% | 0.22% |
| Q1 2025 | 12.79% | 1.62% | 3.18% | 0.08% | 0.00% |
| Q2 2025 | 12.97% | 1.55% | 3.29% | 0.04% | 0.06% |
| Q3 2025 | 13.06% | 1.72% | 3.32% | 0.02% | 0.32% |
| Q4 2025 | 13.06% | 1.42% | 3.24% | 0.35% | 0.68% |
| Q1 2026 | 12.93% | 1.56% | 3.13% | 0.30% | 1.30% |
| Q2 2026 | 13.00% | 1.54% | 3.14% | 0.42% | 0.34% |
Farmers and Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13415) · FFIEC NIC profile (RSSD 257653)