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: 86.01 percentage points higher than in Q1 2026, at 180.61%. Within Oklahoma, Farmers and Merchants Bank is 48th of 169 on return on assets, 1.86% as of Q2 2026, above the middle of the field. Farmers and Merchants Bank's return on assets of 1.86% is well above the 0.98% median for banks in the < $100M asset tier, a gap of 0.88 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 | 10.89% |
| Equity capital to assets | 10.93% |
| Tangible equity to tangible assets | 10.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.61% |
| Non-performing assets ratio | 0.89% |
| Net charge-off ratio | 1.12% |
| Texas ratio | 7.10% |
| Allowance for credit losses to loans | 2.90% |
| Reserve coverage of non-performing loans | 180.61% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.86% |
| Return on equity | 17.35% |
| Net interest margin | 5.40% |
| Efficiency ratio | 70.81% |
| Yield on earning assets | 6.10% |
| Cost of funds | 0.75% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 62.26% |
| Core deposits to total deposits | 92.82% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.03% |
| Securities to assets | 21.60% |
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 | 12.09% | 12.09% | 12.71% | 8.12% | 3.30% |
| Q4 2023 | 11.79% | 11.79% | 12.39% | 8.28% | 2.96% |
| Q1 2024 | 11.93% | 11.93% | 12.34% | 8.12% | 3.26% |
| Q2 2024 | 12.23% | 12.23% | 12.77% | 8.02% | 1.95% |
| Q3 2024 | 11.43% | 11.43% | 12.69% | 7.54% | -1.67% |
| Q4 2024 | 13.22% | 13.22% | 14.49% | 8.38% | 2.60% |
| Q1 2025 | 14.86% | 14.86% | 16.13% | 8.93% | 2.20% |
| Q2 2025 | 14.77% | 14.77% | 16.04% | 9.30% | -1.12% |
| Q3 2025 | — | — | — | 9.67% | 1.91% |
| Q4 2025 | — | — | — | 9.95% | 2.05% |
| Q1 2026 | — | — | — | 10.40% | 1.65% |
| Q2 2026 | — | — | — | 10.89% | 1.86% |
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 4144) · FFIEC NIC profile (RSSD 836656)