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.
Loan-to-deposit ratio climbed 9.67 percentage points in Q2 2026, from 45.50% to 55.17%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank ranks 108th of 121 Georgia banks on return on assets, in the lower half at 0.71% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Bank sits 0.54 points lower, at 0.71% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 18.51% |
| Tier 1 risk-based capital ratio | 18.51% |
| Total risk-based capital ratio | 19.76% |
| Tier 1 leverage ratio | 11.20% |
| Equity capital to assets | 9.91% |
| Tangible equity to tangible assets | 9.91% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.72% |
| Non-performing assets ratio | 0.36% |
| Net charge-off ratio | -0.13% |
| Texas ratio | 3.44% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 205.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.71% |
| Return on equity | 7.54% |
| Net interest margin | 2.94% |
| Efficiency ratio | 67.04% |
| Yield on earning assets | 4.49% |
| Cost of funds | 1.76% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 55.17% |
| Core deposits to total deposits | 84.35% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.28% |
| Securities to assets | 36.73% |
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 | 18.02% | 18.02% | 19.27% | 10.48% | 0.77% |
| Q4 2023 | 18.53% | 18.53% | 19.78% | 10.50% | 0.60% |
| Q1 2024 | 18.84% | 18.84% | 20.09% | 10.69% | 0.46% |
| Q2 2024 | 17.64% | 17.64% | 18.89% | 10.75% | 0.45% |
| Q3 2024 | 17.31% | 17.31% | 18.56% | 10.03% | 0.78% |
| Q4 2024 | 17.46% | 17.46% | 18.71% | 9.35% | 0.70% |
| Q1 2025 | 17.29% | 17.29% | 18.54% | 8.98% | 0.28% |
| Q2 2025 | 19.19% | 19.19% | 20.44% | 9.43% | 0.89% |
| Q3 2025 | 19.96% | 19.96% | 21.21% | 10.10% | 0.69% |
| Q4 2025 | 20.34% | 20.34% | 21.60% | 10.74% | 0.65% |
| Q1 2026 | 20.10% | 20.10% | 21.35% | 10.86% | 0.37% |
| Q2 2026 | 18.51% | 18.51% | 19.76% | 11.20% | 0.71% |
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 9069) · FFIEC NIC profile (RSSD 64730)