Farmers & Merchants Bank of North Dakota: 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 3.86 percentage points in Q2 2026, from 40.21% to 44.07%. It was the largest change from Q1 2026 among the key lines here. Farmers & Merchants Bank of North Dakota ranks 46th of 60 North Dakota banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Bank of North Dakota sits 0.16 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 10.99% |
| Equity capital to assets | 10.48% |
| Tangible equity to tangible assets | 9.37% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.03% |
| Non-performing assets ratio | 0.80% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 9.03% |
| Allowance for credit losses to loans | 1.01% |
| Reserve coverage of non-performing loans | 49.74% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.32% |
| Net interest margin | 3.23% |
| Efficiency ratio | 65.96% |
| Yield on earning assets | 4.64% |
| Cost of funds | 1.49% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 44.07% |
| Core deposits to total deposits | 90.79% |
| Brokered deposits to total deposits | 0.01% |
| Deposits to assets | 89.24% |
| Securities to assets | 29.72% |
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 | 16.21% | 16.21% | 16.66% | 10.31% | 0.67% |
| Q4 2023 | 15.65% | 15.65% | 16.09% | 10.60% | 0.29% |
| Q1 2024 | 16.72% | 16.72% | 17.19% | 10.99% | 0.62% |
| Q2 2024 | 17.11% | 17.11% | 17.74% | 11.47% | 1.05% |
| Q3 2024 | 17.28% | 17.28% | 17.91% | 12.06% | 0.59% |
| Q4 2024 | 17.30% | 17.30% | 17.91% | 11.82% | 0.68% |
| Q1 2025 | 17.58% | 17.58% | 18.21% | 11.01% | 0.62% |
| Q2 2025 | 18.26% | 18.26% | 18.90% | 11.07% | 1.05% |
| Q3 2025 | 19.13% | 19.13% | 19.79% | 11.66% | 0.90% |
| Q4 2025 | 18.84% | 18.84% | 19.48% | 11.68% | 0.89% |
| Q1 2026 | 19.17% | 19.17% | 19.85% | 10.95% | 0.61% |
| Q2 2026 | — | — | — | 10.99% | 1.09% |
Farmers & Merchants Bank of North Dakota vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank of North Dakota, 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 of North Dakota profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 8640) · FFIEC NIC profile (RSSD 954158)