BlastPoint's Banking Scorecard
Mechanics & Farmers Bank
Micro
Specialty: Commercial
NC
FDIC cert 12266
Designations: ✓ Community bank
Durham, NC
2498
banks in Micro tier nationally
18 in NC
View Micro leaderboard (NC) →
Mechanics & Farmers Bank demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 15.78% above tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$479.5M
-3.7% YoY
-2.3% QoQ
|
+$262.0M |
$217.5M
+2.3% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
Top 2% in tier |
| Total Loans ? |
$274.5M
-2.0% YoY
+1.3% QoQ
|
+$135.4M |
$139.2M
+2.8% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
Top 11% in tier |
| Total Deposits ? |
$405.5M
-5.7% YoY
-3.0% QoQ
|
+$221.8M |
$183.7M
+1.8% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
Top 3% in tier |
| Return on Assets ? |
0.72%
-19.1% YoY
-14.1% QoQ
|
-0.36% |
1.08%
+14.7% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
29% |
| Net Interest Margin ? |
4.25%
-0.2% YoY
+1.2% QoQ
|
+0.40% |
3.85%
+6.6% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
70% |
| Efficiency Ratio ? |
75.03%
-0.1% YoY
+1.7% QoQ
|
+7.31% |
67.73%
-4.8% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
28% |
| Delinquency Rate ? |
1.58%
+110.2% YoY
+22.6% QoQ
|
+0.94% |
0.64%
+24.4% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
18% |
| Loan-to-Deposit Ratio ? |
67.71%
+4.0% YoY
+4.4% QoQ
|
-6.82% |
74.53%
+0.5% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
65% |
| Non-Interest-Bearing Deposit Share ? |
22.66%
+2.6% YoY
+2.1% QoQ
|
+0.26% |
22.39%
-1.3% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
55% |
| Nonperforming Asset Ratio ? |
0.91%
+104.4% YoY
+27.2% QoQ
|
+0.45% |
0.45%
+25.1% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
22% |
| Tier 1 Capital Ratio ? |
24.63%
+3.7% YoY
-0.4% QoQ
|
+15.78% |
8.85%
-3.4% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Top 7% in tier |
| Non-Interest Income / Assets ? |
0.64%
-29.1% YoY
+25.7% QoQ
|
+0.08% |
0.56%
+0.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
79% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
24.63%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (0)
No concerns identified
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
98
98th pctile
Total Assets
Current: $479.5M · Tier avg: $217.5M
97
97th pctile
Total Deposits
Current: $405.5M · Tier avg: $183.7M
93
93th pctile
Tier 1 Capital Ratio
Current: 24.63% · Tier avg: 8.85%
89
89th pctile
Total Loans
Current: $274.5M · Tier avg: $139.2M
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.71% · Tier avg: 74.53%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.66% · Tier avg: 22.39%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
28
28th pctile
Efficiency Ratio
Current: 75.03% · Tier avg: 67.73%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
18
18th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.64%
Top Weaknesses
18
18th pctile
Delinquency Rate
Current: 1.58% · Tier avg: 0.64%
22
22th pctile
Nonperforming Asset Ratio
Current: 0.91% · Tier avg: 0.45%
28
28th pctile
Efficiency Ratio
Current: 75.03% · Tier avg: 67.73%
29
29th pctile
Return on Assets
Current: 0.72% · Tier avg: 1.08%
55
55th pctile
Non-Interest-Bearing Deposit Share
Current: 22.66% · Tier avg: 22.39%
65
65th pctile
Loan-to-Deposit Ratio
Current: 67.71% · Tier avg: 74.53%
70
70th pctile
Net Interest Margin
Current: 4.25% · Tier avg: 3.85%
79
79th pctile
Non-Interest Income / Assets
Current: 0.64% · Tier avg: 0.56%
89
89th pctile
Total Loans
Current: $274.5M · Tier avg: $139.2M
93
93th pctile
Tier 1 Capital Ratio
Current: 24.63% · Tier avg: 8.85%
97
97th pctile
Total Deposits
Current: $405.5M · Tier avg: $183.7M
98
98th pctile
Total Assets
Current: $479.5M · Tier avg: $217.5M