Farmers and Merchants Bank of South Carolina: Non-Performing Loans Ratio
Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank of South Carolina reported a non-performing loans ratio of 2.49% as of Q3 2026, ranking #317 of 3,656 U.S. banks (91st percentile). The Non-Performing Loan (NPL) ratio measures loans 90+ days past due or in non-accrual status divided by total loans, the leading indicator of credit deterioration.
12-Quarter Trend
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What is the Non-Performing Loans Ratio?
The NPL ratio measures loans in non-accrual status plus modified loans to borrowers in financial difficulty as a percentage of total loans. It is the most direct indicator of how much of the bank's loan portfolio is currently in trouble. Loans 90+ days past due but still accruing are reported separately; the FFIEC "noncurrent" ratio adds them to nonaccrual.
Most US community banks report NPL ratios between 0.3% and 1.5%. Spikes above 2% warrant deeper analysis. Drill into which loan categories are stressed (commercial real estate? consumer? construction?). Compare to the bank's loss reserves: an NPL of 2% against an ACL/Loans of 1% means the bank may need to build reserves.
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What is Farmers and Merchants Bank of South Carolina's Non-Performing Loans Ratio?
Farmers and Merchants Bank of South Carolina's Non-Performing Loans Ratio was 2.49% as of Q3 2026, ranking #317 of 3,656 U.S. banks.
What is the Non-Performing Loans Ratio?
The NPL ratio measures loans in non-accrual status plus modified loans to borrowers in financial difficulty as a percentage of total loans. It is the most direct indicator of how much of the bank's loan portfolio is currently in trouble. Loans 90+ days past due but still accruing are reported separately; the FFIEC "noncurrent" ratio adds them to nonaccrual.
More Farmers and Merchants Bank of South Carolina metrics
Source: FFIEC call reports, standardized by BankRegReports. Values are point-in-time as filed. See the full Farmers and Merchants Bank of South Carolina profile or how this data updates. The figures come from the bank's call report.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)