The Farmers and Merchants Bank of Craig County: 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 Q3 2026 was in Loan-to-deposit ratio: 4.43 percentage points higher than in Q2 2026, at 84.22%. The Farmers and Merchants Bank of Craig County ranks 22nd of 56 Virginia banks on return on assets, in the upper half at 1.53% (Q3 2026). Against a median of 0.98% for banks in the < $100M asset tier, The Farmers and Merchants Bank of Craig County reported 1.53% on return on assets in Q3 2026, 0.55 points higher; the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.52% |
| Equity capital to assets | 17.57% |
| Tangible equity to tangible assets | 17.57% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.04% |
| Net charge-off ratio | 0.06% |
| Texas ratio | 0.21% |
| Allowance for credit losses to loans | 1.21% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.53% |
| Return on equity | 8.83% |
| Net interest margin | 4.05% |
| Efficiency ratio | 52.02% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.29% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 84.22% |
| Core deposits to total deposits | 93.44% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 81.55% |
| Securities to assets | 27.51% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 17.07% | 0.38% | 3.45% | 0.01% | 0.25% |
| Q1 2024 | 16.74% | 0.83% | 3.24% | 0.01% | 0.00% |
| Q2 2024 | 16.61% | 0.77% | 3.19% | 0.00% | -0.22% |
| Q3 2024 | 16.92% | 0.69% | 3.16% | 0.00% | 0.07% |
| Q4 2024 | 16.95% | 1.20% | 3.25% | 0.06% | 0.03% |
| Q1 2025 | 16.83% | 0.91% | 3.26% | 0.00% | -0.01% |
| Q2 2025 | 16.83% | 1.00% | 3.38% | 0.00% | -0.01% |
| Q3 2025 | 16.81% | 1.09% | 3.46% | 0.00% | 0.00% |
| Q4 2025 | 16.98% | 1.02% | 3.61% | 0.00% | -0.27% |
| Q1 2026 | 16.68% | 1.25% | 3.64% | 0.00% | 0.01% |
| Q2 2026 | 16.87% | 1.36% | 3.83% | 0.00% | 0.00% |
| Q3 2026 | 17.52% | 1.53% | 4.05% | 0.00% | 0.06% |
The Farmers and Merchants Bank of Craig County vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers and Merchants Bank of Craig County, 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 The Farmers and Merchants Bank of Craig County profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9986) · FFIEC NIC profile (RSSD 804422)