Mechanics & Farmers 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 Loan-to-deposit ratio: 2.72 percentage points higher than in Q1 2026, at 68.73%. Within North Carolina, Mechanics & Farmers Bank is 26th of 38 on return on assets, 0.70% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Mechanics & Farmers Bank sits 0.56 points lower, at 0.70% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 24.72% |
| Tier 1 risk-based capital ratio | 24.72% |
| Total risk-based capital ratio | 25.97% |
| Tier 1 leverage ratio | 15.10% |
| Equity capital to assets | 14.24% |
| Tangible equity to tangible assets | 14.23% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.92% |
| Non-performing assets ratio | 1.70% |
| Net charge-off ratio | 0.36% |
| Texas ratio | 11.50% |
| Allowance for credit losses to loans | 1.43% |
| Reserve coverage of non-performing loans | 48.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.70% |
| Return on equity | 5.01% |
| Net interest margin | 4.11% |
| Efficiency ratio | 73.57% |
| Yield on earning assets | 5.15% |
| Cost of funds | 1.18% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.73% |
| Core deposits to total deposits | 84.61% |
| Brokered deposits to total deposits | 9.62% |
| Deposits to assets | 84.49% |
| Securities to assets | 33.22% |
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 | 25.12% | 25.12% | 26.37% | 16.20% | 1.20% |
| Q4 2023 | 24.52% | 24.52% | 25.78% | 15.96% | 0.87% |
| Q1 2024 | 24.63% | 24.63% | 25.88% | 15.84% | 0.67% |
| Q2 2024 | 24.56% | 24.56% | 25.81% | 15.16% | 0.91% |
| Q3 2024 | 24.10% | 24.10% | 25.35% | 14.72% | 1.00% |
| Q4 2024 | 23.75% | 23.75% | 25.00% | 14.09% | 0.88% |
| Q1 2025 | 23.61% | 23.61% | 24.86% | 14.11% | 0.70% |
| Q2 2025 | 24.22% | 24.22% | 25.48% | 14.35% | 0.66% |
| Q3 2025 | 24.73% | 24.73% | 25.98% | 14.60% | 1.12% |
| Q4 2025 | 24.63% | 24.63% | 25.89% | 14.83% | 0.35% |
| Q1 2026 | 24.60% | 24.60% | 25.86% | 14.87% | 0.65% |
| Q2 2026 | 24.72% | 24.72% | 25.97% | 15.10% | 0.70% |
Mechanics & Farmers Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Mechanics & Farmers 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 Mechanics & Farmers Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 12266) · FFIEC NIC profile (RSSD 332224)