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 Securities to assets: 6.29 percentage points lower than in Q1 2026, at 30.67%. Farmers and Merchants Bank ranks 140th of 169 Oklahoma banks on return on assets, in the lower half at 0.81% (Q2 2026). Farmers and Merchants Bank reported 0.81% on return on assets for Q2 2026, 0.16 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.30% |
| Equity capital to assets | 11.34% |
| Tangible equity to tangible assets | 11.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.96% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.81% |
| Return on equity | 7.28% |
| Net interest margin | 3.74% |
| Efficiency ratio | 68.91% |
| Yield on earning assets | 5.39% |
| Cost of funds | 1.83% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 35.50% |
| Core deposits to total deposits | 90.39% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.09% |
| Securities to assets | 30.67% |
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 | 13.00% | 1.70% | 4.31% | 0.00% | 0.00% |
| Q4 2023 | 12.42% | -1.41% | 4.55% | 0.00% | 0.00% |
| Q1 2024 | 12.54% | 0.88% | 4.36% | 0.00% | 0.00% |
| Q2 2024 | 12.83% | 1.30% | 4.36% | 0.00% | 0.00% |
| Q3 2024 | 12.75% | 1.22% | 4.23% | 0.00% | 0.00% |
| Q4 2024 | 12.07% | -1.39% | 3.99% | 0.00% | 0.00% |
| Q1 2025 | 11.55% | 0.45% | 3.61% | 0.00% | 0.00% |
| Q2 2025 | 11.50% | 1.02% | 4.11% | 0.00% | 0.00% |
| Q3 2025 | 11.88% | 1.43% | 4.28% | 0.00% | 0.00% |
| Q4 2025 | 11.92% | -0.93% | 3.58% | 0.00% | 0.00% |
| Q1 2026 | 11.75% | 0.58% | 3.88% | 0.00% | 0.00% |
| Q2 2026 | 11.30% | 0.81% | 3.74% | 0.00% | 0.00% |
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 12284) · FFIEC NIC profile (RSSD 273859)