BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Micro
Specialty: Agricultural
OK
FDIC cert 12284
Designations: ✓ Community bank
Duke, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Farmers & Merchants Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Loan-to-Deposit Ratio 35.08% below tier
- + Nonperforming Asset Ratio 0.45% below 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 (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$18.8M
+3.6% YoY
-2.0% QoQ
|
-$198.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 1% in tier |
| Total Loans ? |
$6.5M
+19.4% YoY
+6.3% QoQ
|
-$132.7M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$16.4M
+3.6% YoY
-1.9% QoQ
|
-$167.3M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 2% in tier |
| Return on Assets ? |
0.52%
+5.7% YoY
-47.7% QoQ
|
-0.56% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
19% |
| Net Interest Margin ? |
3.92%
-6.7% YoY
-0.1% QoQ
|
+0.07% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
55% |
| Efficiency Ratio ? |
86.17%
+2.2% YoY
+17.1% QoQ
|
+18.44% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Bottom 12% in tier |
| Delinquency Rate ? | 0.00% | -0.64% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
39.45%
+15.3% YoY
+8.4% QoQ
|
-35.08% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 5% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.55%
-0.2% YoY
+7.7% QoQ
|
+13.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? | 0.00% | -0.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.28%
-5.3% YoY
+32.6% QoQ
|
-0.29% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
36% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Loan-to-Deposit Ratio
metric
Top 5%
in Micro
Why this stands out
Current:
39.45%
(Tier avg: 74.53%, National avg: 78.04%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.45% · Tier avg: 74.53%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.55% · Tier avg: 22.39%
55
55th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.85%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
12
12th pctile
Efficiency Ratio
Current: 86.17% · Tier avg: 67.73%
2
2th pctile
Total Loans
Current: $6.5M · Tier avg: $139.2M
2
2th pctile
Total Deposits
Current: $16.4M · Tier avg: $183.7M
1
1th pctile
Total Assets
Current: $18.8M · Tier avg: $217.5M
Top Weaknesses
1
1th pctile
Total Assets
Current: $18.8M · Tier avg: $217.5M
2
2th pctile
Total Deposits
Current: $16.4M · Tier avg: $183.7M
2
2th pctile
Total Loans
Current: $6.5M · Tier avg: $139.2M
12
12th pctile
Efficiency Ratio
Current: 86.17% · Tier avg: 67.73%
19
19th pctile
Return on Assets
Current: 0.52% · Tier avg: 1.08%
36
36th pctile
Non-Interest Income / Assets
Current: 0.28% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
55
55th pctile
Net Interest Margin
Current: 3.92% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.55% · Tier avg: 22.39%
95
95th pctile
Loan-to-Deposit Ratio
Current: 39.45% · Tier avg: 74.53%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%