The 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 2.76 percentage points higher than in Q1 2026, at 198.47%. Within Arkansas, The Farmers & Merchants Bank is 58th of 78 on return on assets, 1.08% as of Q2 2026, below the middle of the field. The median for banks in the $1B-10B asset tier is 1.28% on return on assets. The Farmers & Merchants Bank sits 0.20 points lower, at 1.08% (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 | 9.79% |
| Equity capital to assets | 11.19% |
| Tangible equity to tangible assets | 8.88% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.65% |
| Non-performing assets ratio | 0.48% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 5.02% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | 198.47% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.08% |
| Return on equity | 9.76% |
| Net interest margin | 4.04% |
| Efficiency ratio | 62.42% |
| Yield on earning assets | 6.03% |
| Cost of funds | 2.10% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.33% |
| Core deposits to total deposits | 88.50% |
| Brokered deposits to total deposits | 4.65% |
| Deposits to assets | 85.30% |
| Securities to assets | 18.65% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 9.65% | 0.87% | 3.15% | 0.30% | 0.15% |
| Q4 2023 | 9.57% | 0.57% | 3.09% | 0.35% | 0.07% |
| Q1 2024 | 9.67% | 0.73% | 2.87% | 0.51% | 0.05% |
| Q2 2024 | 9.62% | 0.82% | 3.06% | 0.80% | 0.07% |
| Q3 2024 | 9.74% | 0.70% | 3.26% | 0.65% | 0.10% |
| Q4 2024 | 9.94% | 0.79% | 3.56% | 0.55% | 0.28% |
| Q1 2025 | 9.85% | 0.91% | 3.54% | 0.54% | 0.19% |
| Q2 2025 | 9.83% | 1.08% | 3.68% | 1.12% | 0.31% |
| Q3 2025 | 9.57% | 1.02% | 3.74% | 1.14% | 0.00% |
| Q4 2025 | 9.76% | 1.00% | 3.88% | 0.67% | 0.09% |
| Q1 2026 | 9.86% | 1.04% | 3.94% | 0.65% | -0.00% |
| Q2 2026 | 9.79% | 1.08% | 4.04% | 0.65% | 0.01% |
The Farmers & Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 16216) · FFIEC NIC profile (RSSD 677644)