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.
Reserve coverage of non-performing loans climbed 65.22 percentage points in Q2 2026, from 864.62% to 929.84%. It was the largest change from Q1 2026 among the key lines here. Within Georgia, Farmers and Merchants Bank is 21st of 121 on return on assets, 2.16% as of Q2 2026, above the middle of the field. Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers and Merchants Bank reported 2.16% on return on assets in Q2 2026, 0.90 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 16.16% |
| Equity capital to assets | 14.32% |
| Tangible equity to tangible assets | 14.32% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.21% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 1.94% |
| Reserve coverage of non-performing loans | 929.84% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.16% |
| Return on equity | 15.20% |
| Net interest margin | 4.23% |
| Efficiency ratio | 38.27% |
| Yield on earning assets | 5.17% |
| Cost of funds | 1.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 40.84% |
| Core deposits to total deposits | 92.22% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.31% |
| Securities to assets | 44.27% |
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 | 14.31% | 1.70% | 3.86% | 0.46% | -0.01% |
| Q4 2023 | 14.05% | 1.68% | 4.02% | 0.45% | 0.07% |
| Q1 2024 | 13.94% | 1.58% | 3.96% | 0.34% | -0.02% |
| Q2 2024 | 14.66% | 2.38% | 4.24% | 0.32% | 0.00% |
| Q3 2024 | 14.19% | 1.96% | 4.10% | 0.64% | 0.00% |
| Q4 2024 | 14.70% | 2.00% | 4.28% | 0.27% | 0.11% |
| Q1 2025 | 14.92% | 1.96% | 4.21% | 0.25% | -0.07% |
| Q2 2025 | 15.48% | 2.22% | 4.30% | 0.33% | -0.01% |
| Q3 2025 | 15.46% | 2.22% | 4.37% | 0.28% | 0.00% |
| Q4 2025 | 15.68% | 1.92% | 4.35% | 0.25% | 0.01% |
| Q1 2026 | 15.61% | 1.99% | 4.21% | 0.21% | -0.01% |
| Q2 2026 | 16.16% | 2.16% | 4.23% | 0.21% | 0.01% |
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 16440) · FFIEC NIC profile (RSSD 4231)