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 12.63 percentage points in Q2 2026, from 116.19% to 128.81%. It was the largest change from Q1 2026 among the key lines here. Within Alabama, Farmers and Merchants Bank is 49th of 93 on return on assets, 1.10% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank reported 1.10% on return on assets for Q2 2026, 0.16 points below the 1.25% median for banks in the $100M-1B 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 | 11.56% |
| Equity capital to assets | 7.16% |
| Tangible equity to tangible assets | 7.16% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.97% |
| Non-performing assets ratio | 0.40% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 5.31% |
| Allowance for credit losses to loans | 1.25% |
| Reserve coverage of non-performing loans | 128.81% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.10% |
| Return on equity | 15.67% |
| Net interest margin | 3.31% |
| Efficiency ratio | 54.23% |
| Yield on earning assets | 5.23% |
| Cost of funds | 1.97% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 46.21% |
| Core deposits to total deposits | 84.79% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.99% |
| Securities to assets | 46.79% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 17.80% | 17.80% | 18.41% | 10.60% | 0.80% |
| Q4 2023 | 17.57% | 17.57% | 18.13% | 10.22% | 0.78% |
| Q1 2024 | 17.31% | 17.31% | 17.86% | 10.30% | 0.62% |
| Q2 2024 | 17.30% | 17.30% | 17.84% | 10.57% | 0.89% |
| Q3 2024 | 17.47% | 17.47% | 18.08% | 10.83% | 0.79% |
| Q4 2024 | 16.74% | 16.74% | 17.37% | 10.47% | 0.86% |
| Q1 2025 | 17.26% | 17.26% | 17.93% | 10.43% | 0.85% |
| Q2 2025 | 16.87% | 16.87% | 17.55% | 10.70% | 1.03% |
| Q3 2025 | 17.41% | 17.41% | 18.13% | 10.72% | 0.98% |
| Q4 2025 | — | — | — | 10.59% | 0.99% |
| Q1 2026 | — | — | — | 10.61% | 1.01% |
| Q2 2026 | — | — | — | 11.56% | 1.10% |
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 13887) · FFIEC NIC profile (RSSD 446130)