BlastPoint's Banking Scorecard
The Farmers & Merchants Bank
Community
Specialty: Commercial
AR
FDIC cert 16216
Stuttgart, AR
1484
banks in Community tier nationally
33 in AR
View Community leaderboard (AR) →
The Farmers & Merchants Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 35% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AR) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$2.0B
+7.7% YoY
-0.1% QoQ
|
+$562.0M |
$1.4B
+2.0% YoY
|
$2.3B
+2.4% YoY
|
$5.9B
+6.5% YoY
|
78% |
| Total Loans ? |
$1.4B
+7.0% YoY
+0.5% QoQ
|
+$388.1M |
$975.5M
+2.4% YoY
|
$1.6B
+6.2% YoY
|
$3.1B
+8.5% YoY
|
78% |
| Total Deposits ? |
$1.6B
+7.0% YoY
-0.8% QoQ
|
+$453.6M |
$1.2B
+1.7% YoY
|
$1.9B
+3.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
1.02%
+31.7% YoY
-0.3% QoQ
|
-0.15% |
1.16%
+17.2% YoY
|
1.19%
+9.0% YoY
|
1.12%
+15.6% YoY
|
41% |
| Net Interest Margin ? |
3.79%
+15.8% YoY
+1.3% QoQ
|
+0.12% |
3.66%
+9.1% YoY
|
4.00%
+8.5% YoY
|
3.75%
+7.1% YoY
|
60% |
| Efficiency Ratio ? |
63.88%
-9.7% YoY
-0.3% QoQ
|
+1.24% |
62.63%
-5.3% YoY
|
63.04%
-5.8% YoY
|
65.09%
-5.1% YoY
|
45% |
| Delinquency Rate ? |
0.47%
+47.1% YoY
+106.5% QoQ
|
-0.16% |
0.63%
+18.3% YoY
|
0.91%
+44.6% YoY
|
0.66%
+20.3% YoY
|
48% |
| Loan-to-Deposit Ratio ? |
84.26%
+0.0% YoY
+1.3% QoQ
|
+1.20% |
83.06%
+0.3% YoY
|
80.90%
+1.0% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
14.81%
-8.9% YoY
-3.3% QoQ
|
-6.23% |
21.05%
-0.9% YoY
|
19.14%
-0.5% YoY
|
21.79%
-1.3% YoY
|
25% |
| Nonperforming Asset Ratio ? |
0.33%
+20.2% YoY
+88.2% QoQ
|
-0.17% |
0.50%
+20.3% YoY
|
0.66%
+38.2% YoY
|
0.48%
+20.8% YoY
|
51% |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
7.07%
-13.2% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.89%
+17.1% YoY
+27.7% QoQ
|
+0.15% |
0.74%
-1.3% YoY
|
0.76%
-21.3% YoY
|
0.65%
+0.6% YoY
|
82% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Credit Risk Growth
risk
#224 of 642 · Bottom 35% in Community
Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
642 of 642 Community banks match
·
759 nationally
→ Stable
+24 banks QoQ
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
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
78
78th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.26% · Tier avg: 83.06%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
45
45th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 62.63%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.81% · Tier avg: 21.05%
Top Weaknesses
25
25th pctile
Non-Interest-Bearing Deposit Share
Current: 14.81% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
41
41th pctile
Return on Assets
Current: 1.02% · Tier avg: 1.16%
45
45th pctile
Efficiency Ratio
Current: 63.88% · Tier avg: 62.63%
48
48th pctile
Delinquency Rate
Current: 0.47% · Tier avg: 0.63%
51
51th pctile
Nonperforming Asset Ratio
Current: 0.33% · Tier avg: 0.50%
52
52th pctile
Loan-to-Deposit Ratio
Current: 84.26% · Tier avg: 83.06%
60
60th pctile
Net Interest Margin
Current: 3.79% · Tier avg: 3.66%
78
78th pctile
Total Loans
Current: $1.4B · Tier avg: $975.5M
78
78th pctile
Total Assets
Current: $2.0B · Tier avg: $1.4B
78
78th pctile
Total Deposits
Current: $1.6B · Tier avg: $1.2B
82
82th pctile
Non-Interest Income / Assets
Current: 0.89% · Tier avg: 0.74%