Farmers & Merchants Bank & Trust: 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: 3.28 percentage points higher than in Q1 2026, at 91.45%. Farmers & Merchants Bank & Trust ranks 193rd of 225 Iowa banks on return on assets, in the lower half at 0.85% (Q2 2026). Farmers & Merchants Bank & Trust reported 0.85% on return on assets for Q2 2026, 0.41 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 17.22% |
| Tier 1 risk-based capital ratio | 17.22% |
| Total risk-based capital ratio | 18.48% |
| Tier 1 leverage ratio | 10.73% |
| Equity capital to assets | 8.46% |
| Tangible equity to tangible assets | 8.46% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.66% |
| Non-performing assets ratio | 1.03% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 10.94% |
| Allowance for credit losses to loans | 1.52% |
| Reserve coverage of non-performing loans | 91.45% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.85% |
| Return on equity | 10.11% |
| Net interest margin | 3.61% |
| Efficiency ratio | 78.46% |
| Yield on earning assets | 4.24% |
| Cost of funds | 0.62% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.80% |
| Core deposits to total deposits | 100.00% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.82% |
| Securities to assets | 28.88% |
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 | 15.56% | 15.56% | 16.81% | 8.46% | -0.39% |
| Q4 2023 | 15.59% | 15.59% | 16.84% | 8.59% | 0.26% |
| Q1 2024 | 16.06% | 16.06% | 17.31% | 8.52% | 0.35% |
| Q2 2024 | 16.11% | 16.11% | 17.36% | 8.52% | 0.43% |
| Q3 2024 | 16.09% | 16.09% | 17.34% | 8.80% | 0.63% |
| Q4 2024 | 16.34% | 16.34% | 17.60% | 9.08% | 0.08% |
| Q1 2025 | 16.90% | 16.90% | 18.15% | 9.64% | 0.53% |
| Q2 2025 | 16.64% | 16.64% | 17.89% | 9.85% | 0.50% |
| Q3 2025 | 16.74% | 16.74% | 17.99% | 10.01% | 0.61% |
| Q4 2025 | 16.75% | 16.75% | 18.01% | 10.19% | 0.72% |
| Q1 2026 | 17.40% | 17.40% | 18.65% | 10.45% | 0.99% |
| Q2 2026 | 17.22% | 17.22% | 18.48% | 10.73% | 0.85% |
Farmers & Merchants Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank & Trust, 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 & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13737) · FFIEC NIC profile (RSSD 888141)