BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Community
Specialty: Commercial
MS
FDIC cert 15801
Baldwyn, MS
1484
banks in Community tier nationally
21 in MS
View Community leaderboard (MS) →
Farmers and Merchants Bank has 2 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Revenue Diversifier: Top 19% in Community
- + Net Interest Margin 1.18% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 11% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MS) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$522.9M
-1.1% YoY
-1.0% QoQ
|
-$868.5M |
$1.4B
+2.0% YoY
|
$2.2B
+10.7% YoY
|
$5.9B
+6.5% YoY
|
Bottom 4% in tier |
| Total Loans ? |
$340.1M
+7.8% YoY
+1.2% QoQ
|
-$635.4M |
$975.5M
+2.4% YoY
|
$1.5B
+12.2% YoY
|
$3.1B
+8.5% YoY
|
Bottom 7% in tier |
| Total Deposits ? |
$443.9M
+4.0% YoY
-0.6% QoQ
|
-$720.7M |
$1.2B
+1.7% YoY
|
$1.9B
+9.4% YoY
|
$4.7B
+6.3% YoY
|
Bottom 4% in tier |
| Return on Assets ? |
1.62%
+17.8% YoY
-24.5% QoQ
|
+0.45% |
1.16%
+17.2% YoY
|
1.01%
-3.5% YoY
|
1.12%
+15.6% YoY
|
79% |
| Net Interest Margin ? |
4.85%
+7.0% YoY
+1.9% QoQ
|
+1.18% |
3.66%
+9.1% YoY
|
3.89%
+5.4% YoY
|
3.75%
+7.1% YoY
|
Top 7% in tier |
| Efficiency Ratio ? |
59.35%
-6.0% YoY
+10.5% QoQ
|
-3.28% |
62.63%
-5.3% YoY
|
68.70%
-1.6% YoY
|
65.09%
-5.1% YoY
|
59% |
| Delinquency Rate ? |
1.61%
-20.3% YoY
+60.8% QoQ
|
+0.99% |
0.63%
+18.3% YoY
|
0.98%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 14% in tier |
| Loan-to-Deposit Ratio ? |
76.60%
+3.7% YoY
+1.7% QoQ
|
-6.46% |
83.06%
+0.3% YoY
|
71.82%
+2.7% YoY
|
78.04%
+0.7% YoY
|
31% |
| Non-Interest-Bearing Deposit Share ? |
16.97%
-9.7% YoY
-0.2% QoQ
|
-4.08% |
21.05%
-0.9% YoY
|
23.43%
+1.6% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
1.06%
-14.3% YoY
+65.8% QoQ
|
+0.56% |
0.50%
+20.3% YoY
|
0.61%
+16.2% YoY
|
0.48%
+20.8% YoY
|
18% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
6.62%
-3.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
1.54%
+35.3% YoY
+25.9% QoQ
|
+0.80% |
0.74%
-1.3% YoY
|
0.73%
-13.2% YoY
|
0.65%
+0.6% YoY
|
Top 7% in tier |
Signature Analysis
Strengths (2)
Revenue Diversifier
growth
#72 of 371 · Top 19% in Community
Top-quartile non-interest income relative to assets. Revenue less dependent on spread - more resilient to rate cycles.
Why this signature
Noninterest Income / Assets:
1.54%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
1.62%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank declining
Net Interest Margin
metric
Top 7%
in Community
Why this stands out
Current:
4.85%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (1)
Capital Thin
risk
#47 of 432 · Bottom 11% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
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
93
93th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.74%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
59
59th pctile
Efficiency Ratio
Current: 59.35% · Tier avg: 62.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.97% · Tier avg: 21.05%
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.60% · Tier avg: 83.06%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
14
14th pctile
Delinquency Rate
Current: 1.61% · Tier avg: 0.63%
7
7th pctile
Total Loans
Current: $340.1M · Tier avg: $975.5M
4
4th pctile
Total Deposits
Current: $443.9M · Tier avg: $1.2B
4
4th pctile
Total Assets
Current: $522.9M · Tier avg: $1.4B
Top Weaknesses
4
4th pctile
Total Assets
Current: $522.9M · Tier avg: $1.4B
4
4th pctile
Total Deposits
Current: $443.9M · Tier avg: $1.2B
7
7th pctile
Total Loans
Current: $340.1M · Tier avg: $975.5M
14
14th pctile
Delinquency Rate
Current: 1.61% · Tier avg: 0.63%
18
18th pctile
Nonperforming Asset Ratio
Current: 1.06% · Tier avg: 0.50%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
31
31th pctile
Loan-to-Deposit Ratio
Current: 76.60% · Tier avg: 83.06%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.97% · Tier avg: 21.05%
59
59th pctile
Efficiency Ratio
Current: 59.35% · Tier avg: 62.63%
79
79th pctile
Return on Assets
Current: 1.62% · Tier avg: 1.16%
93
93th pctile
Net Interest Margin
Current: 4.85% · Tier avg: 3.66%
93
93th pctile
Non-Interest Income / Assets
Current: 1.54% · Tier avg: 0.74%