| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +2.2% | +3.0% | -0.8 pts |
| Deposit growth (YoY) | +2.1% | +2.5% | -0.4 pts |
| Loan growth (YoY) | +11.9% | +2.6% | +9.3 pts |
| ROA | 0.71% | 0.99% | -0.3 pts |
| ROE | 6.1% | 8.1% | -2.0 pts |
ROA ranks in the 36th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $20.5M | $18.1M | $6.3M | $2.3M | $70K | 0.71% | 3.70% | 0.00% |
| Q1 2026 | $19.8M | $17.4M | $6.3M | $2.3M | $28K | 0.58% | 3.78% | 0.00% |
| Q4 2025 | $18.8M | $16.4M | $6.5M | $2.3M | $100K | 0.52% | 3.92% | 0.00% |
| Q3 2025 | $19.2M | $16.7M | $6.1M | $2.4M | $144K | 1.00% | 3.92% | 0.00% |
| Q2 2025 | $20.1M | $17.7M | $5.6M | $2.3M | $73K | 0.76% | 3.83% | 0.00% |
| Q1 2025 | $19.6M | $17.3M | $5.4M | $2.2M | $22K | 0.47% | 3.69% | 0.00% |
| Q4 2024 | $18.1M | $15.8M | $5.4M | $2.2M | $89K | 0.49% | 4.20% | 0.00% |
| Q3 2024 | $18.5M | $16.0M | $5.7M | $2.3M | $153K | 1.13% | 4.29% | 0.00% |
Loan mix (Q2 2026): real estate $0 · commercial $1.4M · consumer $175K · securities $6.3M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 0.71% | 0.99% | 36th | |
Return on equity Annualized net income ÷ equity or net worth | 6.1% | 8.1% | 38th | |
Net interest margin Interest income − interest expense, ÷ assets | 3.70% | 3.88% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 80.3% | 70.8% | 69th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Farmers & Merchants Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
1 branches in 1 county across 1 state (+0 vs 2024) · $17.7M branch deposits. Biggest market: Jackson, OK, ranked 7th with 2.8% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Jackson, OK | 1 | $17.7M | 2.83% | 7th |
Oklahoma: 238th with 0.01% ·
Branch count: 2022 1 · 2023 1 · 2024 1 · 2025 1