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.
Compared with Q1 2026, Securities to assets fell 0.63 percentage points in Q2 2026 to 14.93%, the biggest move on this page. Within Maryland, Farmers and Merchants Bank is 14th of 27 on return on assets, 1.00% as of Q2 2026, below the middle of the field. Farmers and Merchants Bank reported 1.00% on return on assets for Q2 2026, 0.26 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.09% |
| Tier 1 risk-based capital ratio | 12.09% |
| Total risk-based capital ratio | 12.75% |
| Tier 1 leverage ratio | 9.98% |
| Equity capital to assets | 9.09% |
| Tangible equity to tangible assets | 8.35% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.19% |
| Net charge-off ratio | -0.03% |
| Texas ratio | 2.17% |
| Allowance for credit losses to loans | 0.70% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.00% |
| Return on equity | 10.96% |
| Net interest margin | 3.40% |
| Efficiency ratio | 62.31% |
| Yield on earning assets | 5.31% |
| Cost of funds | 2.03% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 88.43% |
| Core deposits to total deposits | 83.80% |
| Brokered deposits to total deposits | 7.86% |
| Deposits to assets | 82.99% |
| Securities to assets | 14.93% |
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 | 12.11% | 12.11% | 12.86% | 9.91% | 0.81% |
| Q4 2023 | 12.69% | 12.69% | 13.45% | 9.42% | 0.78% |
| Q1 2024 | 12.47% | 12.47% | 13.22% | 9.39% | 0.64% |
| Q2 2024 | 12.18% | 12.18% | 12.88% | 9.58% | 0.59% |
| Q3 2024 | 11.81% | 11.81% | 12.49% | 9.42% | 0.61% |
| Q4 2024 | 11.67% | 11.67% | 12.37% | 9.12% | 0.48% |
| Q1 2025 | 11.54% | 11.54% | 12.23% | 9.48% | 0.60% |
| Q2 2025 | 11.23% | 11.23% | 11.88% | 9.43% | 0.63% |
| Q3 2025 | 11.25% | 11.25% | 11.90% | 9.29% | 0.87% |
| Q4 2025 | 11.65% | 11.65% | 12.32% | 9.38% | 0.89% |
| Q1 2026 | 11.98% | 11.98% | 12.64% | 9.73% | 0.95% |
| Q2 2026 | 12.09% | 12.09% | 12.75% | 9.98% | 1.00% |
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 1895) · FFIEC NIC profile (RSSD 891226)