Bank Safety Analysis
Is The Farmers and Merchants National Bank of Nashville Safe? Nashville, Illinois
Based on its Q3 2026 call report, The Farmers and Merchants National Bank of Nashville meets every capital ratio test for well capitalized, its Texas ratio is 5.66%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is The Farmers and Merchants National Bank of Nashville safe?
On its Q3 2026 call report, The Farmers and Merchants National Bank of Nashville's CET1 ratio is 15.21%, above the 6.5% well-capitalized threshold.
- CET1 ratio (Q3 2026): 15.21%
- Tier 1 leverage ratio (Q3 2026): 11.80%
- Texas ratio (Q3 2026): 5.66%
- Noncurrent loans ratio (Q3 2026): 0.65%
The Farmers and Merchants National Bank of Nashville is an FDIC-insured commercial bank (FDIC Certificate #3821). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report The Farmers and Merchants National Bank of Nashville (FDIC Certificate #3821) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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The Farmers and Merchants National Bank of Nashville passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The biggest quarter-over-quarter change on this page was a small one: net interest margin edged up 0.12 percentage points between Q2 2026 and Q3 2026, to 4.27%. Within Illinois, The Farmers and Merchants National Bank of Nashville is 85th of 176 on CET1 ratio, 15.21% as of Q3 2026. At 15.21%, The Farmers and Merchants National Bank of Nashville's CET1 ratio is close to the 15.24% median for banks in the $100M-1B asset tier (Q3 2026).
From Q4 2023 to Q3 2026, The Farmers and Merchants National Bank of Nashville's CET1 ratio ranged between 15.00% (Q4 2025) and 16.03% (Q3 2024) and its Texas ratio ranged between 0.00% (Q3 2025) and 5.85% (Q1 2026). Between Q3 2025 and Q3 2026, The Farmers and Merchants National Bank of Nashville's CET1 ratio fell from 15.32% to 15.21%, nonperforming loan ratio (nonaccrual plus 90+ days past due) rose from 0.00% to 0.65%, Texas ratio rose from 0.00% to 5.66% and return on assets rose from 1.56% to 1.63%.
Of the 319 banks headquartered in Illinois, The Farmers and Merchants National Bank of Nashville is the 167th largest by total assets at Q3 2026. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, The Farmers and Merchants National Bank of Nashville's CET1 ratio of 15.21% is below the 15.24% median, Tier 1 leverage ratio of 11.80% is above the 11.09% median, nonperforming loans ratio of 0.65% is above the 0.43% median, Texas ratio of 5.66% is above the 2.96% median, and efficiency ratio of 61.14% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
The Farmers and Merchants National Bank of Nashville's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does The Farmers and Merchants National Bank of Nashville score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 15.24%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does The Farmers and Merchants National Bank of Nashville trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | 15.21% | Within range |
| Texas ratio BankRegReports band | 5.66% | Within range |
| Nonperforming loan ratio BankRegReports band | 0.65% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 76.55% | Within range |
| Commercial real estate to capital supervisory threshold | 191.08% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Capital ratio: last 12 quarters
| Quarter | CET1 (%) |
|---|---|
| Q3 2026 | 15.21% |
| Q2 2026 | 15.26% |
| Q1 2026 | 15.74% |
| Q4 2025 | 15.00% |
| Q3 2025 | 15.32% |
| Q2 2025 | 15.71% |
| Q1 2025 | 15.71% |
| Q4 2024 | 15.17% |
| Q3 2024 | 16.03% |
| Q2 2024 | 15.84% |
| Q1 2024 | 15.62% |
| Q4 2023 | 15.29% |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 5.66% |
| Q2 2026 | 5.19% |
| Q1 2026 | 5.85% |
| Q4 2025 | 5.43% |
| Q3 2025 | 0.00% |
| Q2 2025 | 0.85% |
| Q1 2025 | 0.54% |
| Q4 2024 | 0.58% |
| Q3 2024 | 0.53% |
| Q2 2024 | 0.59% |
| Q1 2024 | 0.00% |
| Q4 2023 | 0.00% |
How have The Farmers and Merchants National Bank of Nashville's safety ratios changed?
| Quarter end | Total assets | CET1 | Leverage | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|---|
| Sep 30, 2026 | $264.2M | 15.21% | 11.80% | 0.65% | 5.66% | 61.14% |
| Jun 30, 2026 | $270.3M | 15.26% | 11.60% | 0.61% | 5.19% | 61.53% |
| Mar 31, 2026 | $280.0M | 15.74% | 11.61% | 0.33% | 5.85% | 62.30% |
| Dec 31, 2025 | $278.0M | 15.00% | 11.33% | 0.81% | 5.43% | 58.92% |
| Sep 30, 2025 | $287.8M | 15.32% | 11.25% | 0.00% | 0.00% | 61.09% |
| Jun 30, 2025 | $267.4M | 15.72% | 11.19% | 0.12% | 0.85% | 61.15% |
| Mar 31, 2025 | $268.9M | 15.71% | 11.47% | 0.08% | 0.54% | 62.39% |
| Dec 31, 2024 | $259.9M | 15.17% | 11.12% | 0.08% | 0.58% | 59.78% |
Banks with a similar risk profile
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Frequently asked
Is The Farmers and Merchants National Bank of Nashville FDIC insured?
Yes. The Farmers and Merchants National Bank of Nashville is an FDIC-insured commercial bank (FDIC Certificate #3821). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is The Farmers and Merchants National Bank of Nashville well capitalized?
On its Q3 2026 call report, The Farmers and Merchants National Bank of Nashville's CET1 ratio is 15.21%, above the 6.5% well-capitalized threshold. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the OCC, applies.
What are The Farmers and Merchants National Bank of Nashville's key safety ratios?
For Q3 2026, The Farmers and Merchants National Bank of Nashville reports CET1 15.21%, leverage 11.80%, Texas ratio 5.66%, noncurrent loans 0.65%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if The Farmers and Merchants National Bank of Nashville fails?
For Q3 2026, The Farmers and Merchants National Bank of Nashville reported $237.9M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full The Farmers and Merchants National Bank of Nashville profile.
How we score this
Capital categories follow Prompt Corrective Action (12 CFR 324.403): well capitalized at a CET1 ratio of 6.5%, Tier 1 risk-based 8%, total risk-based 10% and Tier 1 leverage 5%; adequately capitalized at 4.5%, 6%, 8% and 4%. A community bank may elect the community bank leverage ratio instead.
Every ratio The Farmers and Merchants National Bank of Nashville is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 3821) · FFIEC NIC profile (RSSD 513546)
Explore: Full The Farmers and Merchants National Bank of Nashville profile · Other banks in IL · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.