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.
Reserve coverage of non-performing loans dropped 130.31 percentage points in Q2 2026, from 225.25% to 94.94%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank ranks 67th of 93 Alabama banks on return on assets, in the lower half at 0.86% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Bank sits 0.39 points lower, at 0.86% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.02% |
| Tier 1 risk-based capital ratio | 17.02% |
| Total risk-based capital ratio | 17.87% |
| Tier 1 leverage ratio | 12.73% |
| Equity capital to assets | 10.36% |
| Tangible equity to tangible assets | 10.36% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.34% |
| Non-performing assets ratio | 0.67% |
| Net charge-off ratio | 0.19% |
| Texas ratio | 6.06% |
| Allowance for credit losses to loans | 1.27% |
| Reserve coverage of non-performing loans | 94.94% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.86% |
| Return on equity | 8.26% |
| Net interest margin | 4.17% |
| Efficiency ratio | 74.85% |
| Yield on earning assets | 5.07% |
| Cost of funds | 0.96% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 57.06% |
| Core deposits to total deposits | 87.09% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 87.01% |
| Securities to assets | 41.24% |
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 | 17.45% | 17.45% | 18.44% | 12.75% | 0.59% |
| Q4 2023 | 16.59% | 16.59% | 17.61% | 12.13% | -2.02% |
| Q1 2024 | 16.95% | 16.95% | 17.96% | 12.36% | 0.94% |
| Q2 2024 | 17.74% | 17.74% | 18.79% | 12.70% | 0.97% |
| Q3 2024 | 16.56% | 16.56% | 17.53% | 12.70% | 0.68% |
| Q4 2024 | 17.69% | 17.69% | 18.67% | 12.53% | 0.81% |
| Q1 2025 | 17.81% | 17.81% | 18.76% | 12.54% | 0.81% |
| Q2 2025 | 17.08% | 17.08% | 17.98% | 12.14% | 0.75% |
| Q3 2025 | 17.28% | 17.28% | 18.20% | 12.19% | 0.60% |
| Q4 2025 | 17.43% | 17.43% | 18.35% | 12.32% | 0.64% |
| Q1 2026 | 17.60% | 17.60% | 18.53% | 12.43% | 0.84% |
| Q2 2026 | 17.02% | 17.02% | 17.87% | 12.73% | 0.86% |
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 1735) · FFIEC NIC profile (RSSD 434539)