BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Agricultural
OK
FDIC cert 13415
Designations: ✓ Community bank
Arnett, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Farmers and Merchants Bank shows strong momentum with 1 strength and 9.7% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 37.77% 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 ? |
$79.8M
+9.7% YoY
+2.1% QoQ
|
-$137.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
16% |
| Total Loans ? |
$25.5M
+8.2% YoY
+2.9% QoQ
|
-$113.6M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 9% in tier |
| Total Deposits ? |
$69.5M
+8.9% YoY
+2.3% QoQ
|
-$114.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
17% |
| Return on Assets ? |
1.59%
-5.3% YoY
-3.7% QoQ
|
+0.50% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
78% |
| Net Interest Margin ? |
3.29%
-4.2% YoY
-0.5% QoQ
|
-0.56% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
25% |
| Efficiency Ratio ? |
50.57%
-1.5% YoY
+2.8% QoQ
|
-17.16% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
Top 11% in tier |
| Delinquency Rate ? |
0.36%
+342.5% YoY
|
-0.28% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
52% |
| Loan-to-Deposit Ratio ? |
36.76%
-0.6% YoY
+0.6% QoQ
|
-37.77% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
Top 4% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.99%
+9.7% YoY
+5.3% QoQ
|
+1.60% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
60% |
| Nonperforming Asset Ratio ? |
0.11%
+336.6% YoY
|
-0.34% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
66% |
| 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 ? |
0.23%
-7.3% YoY
+34.9% QoQ
|
-0.33% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
29% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 4%
in Micro
Why this stands out
Current:
36.76%
(Tier avg: 74.53%, National avg: 78.04%)
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
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.76% · Tier avg: 74.53%
89
89th pctile
Efficiency Ratio
Current: 50.57% · Tier avg: 67.73%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.99% · Tier avg: 22.39%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
17
17th pctile
Total Deposits
Current: $69.5M · Tier avg: $183.7M
16
16th pctile
Total Assets
Current: $79.8M · Tier avg: $217.5M
9
9th pctile
Total Loans
Current: $25.5M · Tier avg: $139.2M
Top Weaknesses
9
9th pctile
Total Loans
Current: $25.5M · Tier avg: $139.2M
16
16th pctile
Total Assets
Current: $79.8M · Tier avg: $217.5M
17
17th pctile
Total Deposits
Current: $69.5M · Tier avg: $183.7M
25
25th pctile
Net Interest Margin
Current: 3.29% · Tier avg: 3.85%
29
29th pctile
Non-Interest Income / Assets
Current: 0.23% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Delinquency Rate
Current: 0.36% · Tier avg: 0.64%
60
60th pctile
Non-Interest-Bearing Deposit Share
Current: 23.99% · Tier avg: 22.39%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.11% · Tier avg: 0.45%
78
78th pctile
Return on Assets
Current: 1.59% · Tier avg: 1.08%
89
89th pctile
Efficiency Ratio
Current: 50.57% · Tier avg: 67.73%
96
96th pctile
Loan-to-Deposit Ratio
Current: 36.76% · Tier avg: 74.53%