Farmers and Merchants Bank of South Carolina: 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: 2.55 percentage points lower than in Q2 2026, at 32.47%. Farmers and Merchants Bank of South Carolina ranks 17th of 44 South Carolina banks on return on assets, in the upper half at 1.26% (Q3 2026). At 1.26%, Farmers and Merchants Bank of South Carolina's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | 42.74% |
| Tier 1 risk-based capital ratio | 42.74% |
| Total risk-based capital ratio | 43.45% |
| Tier 1 leverage ratio | 17.78% |
| Equity capital to assets | 13.50% |
| Tangible equity to tangible assets | 13.50% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 2.49% |
| Non-performing assets ratio | 0.70% |
| Net charge-off ratio | 0.14% |
| Texas ratio | 5.05% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 38.60% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.26% |
| Return on equity | 8.65% |
| Net interest margin | 3.83% |
| Efficiency ratio | 60.25% |
| Yield on earning assets | 4.12% |
| Cost of funds | 0.31% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 32.47% |
| Core deposits to total deposits | 95.54% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.18% |
| Securities to assets | 42.41% |
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 |
|---|---|---|---|---|---|
| Q4 2023 | 38.71% | 38.71% | 39.67% | 14.50% | 1.35% |
| Q1 2024 | 38.01% | 38.01% | 38.93% | 13.26% | 1.89% |
| Q2 2024 | 38.79% | 38.79% | 39.72% | 16.16% | 1.41% |
| Q3 2024 | 38.44% | 38.44% | 39.32% | 15.84% | 1.52% |
| Q4 2024 | 37.27% | 37.27% | 38.09% | 14.72% | 1.37% |
| Q1 2025 | 38.11% | 38.11% | 38.89% | 13.11% | 1.66% |
| Q2 2025 | 39.20% | 39.20% | 39.97% | 15.59% | 1.57% |
| Q3 2025 | 39.54% | 39.54% | 40.32% | 16.69% | 1.32% |
| Q4 2025 | 40.41% | 40.41% | 41.20% | 15.59% | 1.38% |
| Q1 2026 | 41.84% | 41.84% | 42.61% | 12.31% | 1.69% |
| Q2 2026 | 42.67% | 42.67% | 43.42% | 16.56% | 1.55% |
| Q3 2026 | 42.74% | 42.74% | 43.45% | 17.78% | 1.26% |
Farmers and Merchants Bank of South Carolina vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank of South Carolina, 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 of South Carolina profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1660) · FFIEC NIC profile (RSSD 282226)