Farmers & 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.
Efficiency ratio climbed 23.80 percentage points in Q2 2026, from 56.42% to 80.22%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank ranks 80th of 93 Alabama banks on return on assets, in the lower half at 0.48% (Q2 2026). Against a median of 0.98% for banks in the < $100M asset tier, Farmers & Merchants Bank reported 0.48% on return on assets in Q2 2026, 0.50 points lower.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 17.03% |
| Equity capital to assets | 11.49% |
| Tangible equity to tangible assets | 11.49% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | -0.62% |
| Texas ratio | 0.62% |
| Allowance for credit losses to loans | 3.51% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.48% |
| Return on equity | 4.58% |
| Net interest margin | 1.57% |
| Efficiency ratio | 80.22% |
| Yield on earning assets | 3.31% |
| Cost of funds | 2.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 6.16% |
| Core deposits to total deposits | 79.19% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.98% |
| Securities to assets | 83.90% |
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 | — | — | — | 18.00% | 0.09% |
| Q4 2023 | — | — | — | 17.41% | -0.87% |
| Q1 2024 | 39.11% | 39.11% | 39.44% | 17.45% | 0.05% |
| Q2 2024 | 37.67% | 37.67% | 38.03% | 16.37% | -8.47% |
| Q3 2024 | — | — | — | 17.13% | 0.28% |
| Q4 2024 | — | — | — | 17.20% | -0.69% |
| Q1 2025 | — | — | — | 17.37% | 0.36% |
| Q2 2025 | — | — | — | 17.57% | 0.44% |
| Q3 2025 | — | — | — | 17.13% | 0.43% |
| Q4 2025 | — | — | — | 16.72% | -0.62% |
| Q1 2026 | — | — | — | 17.18% | 0.62% |
| Q2 2026 | — | — | — | 17.03% | 0.48% |
Farmers & Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & 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 & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 1745) · FFIEC NIC profile (RSSD 291732)