BlastPoint's Banking Scorecard
Farmers and Merchants Bank of South Carolina
Micro
Specialty: Other
SC
FDIC cert 1660
Designations: ✓ Community bank
Holly Hill, SC
2498
banks in Micro tier nationally
21 in SC
View Micro leaderboard (SC) →
Farmers and Merchants Bank of South Carolina has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Tier 1 Capital Ratio 31.56% above tier
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 46.23% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (SC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$495.4M
-8.4% YoY
+26.9% QoQ
|
+$277.9M |
$217.5M
+2.3% YoY
|
$1.4B
+4.5% YoY
|
$5.9B
+6.5% YoY
|
Top 1% in tier |
| Total Loans ? |
$123.1M
+2.8% YoY
-2.3% QoQ
|
-$16.0M |
$139.2M
+2.8% YoY
|
$973.5M
+7.4% YoY
|
$3.1B
+8.5% YoY
|
51% |
| Total Deposits ? |
$435.3M
-11.6% YoY
+31.5% QoQ
|
+$251.6M |
$183.7M
+1.8% YoY
|
$1.2B
+4.1% YoY
|
$4.7B
+6.3% YoY
|
Top 1% in tier |
| Return on Assets ? |
1.48%
-1.8% YoY
-5.0% QoQ
|
+0.39% |
1.08%
+14.7% YoY
|
0.95%
+14.5% YoY
|
1.12%
+15.6% YoY
|
74% |
| Net Interest Margin ? |
3.87%
+0.0% YoY
-3.7% QoQ
|
+0.02% |
3.85%
+6.6% YoY
|
3.61%
+7.8% YoY
|
3.75%
+7.1% YoY
|
54% |
| Efficiency Ratio ? |
54.11%
+1.5% YoY
+1.7% QoQ
|
-13.61% |
67.73%
-4.8% YoY
|
68.53%
-3.0% YoY
|
65.09%
-5.1% YoY
|
83% |
| Delinquency Rate ? |
0.72%
-16.5% YoY
+17.7% QoQ
|
+0.08% |
0.64%
+24.4% YoY
|
0.35%
-2.9% YoY
|
0.66%
+20.3% YoY
|
37% |
| Loan-to-Deposit Ratio ? |
28.29%
+16.3% YoY
-25.7% QoQ
|
-46.23% |
74.53%
+0.5% YoY
|
73.98%
+1.0% YoY
|
78.04%
+0.7% YoY
|
Bottom 2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.13%
-1.6% YoY
-23.2% QoQ
|
+2.74% |
22.39%
-1.3% YoY
|
20.79%
-0.7% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.18%
-6.3% YoY
-9.4% QoQ
|
-0.27% |
0.45%
+25.1% YoY
|
0.23%
-5.4% YoY
|
0.48%
+20.8% YoY
|
58% |
| Tier 1 Capital Ratio ? |
40.41%
+8.4% YoY
+2.2% QoQ
|
+31.56% |
8.85%
-3.4% YoY
|
12.85%
+2.9% YoY
|
9.75%
-1.9% YoY
|
Top 1% in tier |
| Non-Interest Income / Assets ? |
0.44%
+10.2% YoY
+6.3% QoQ
|
-0.13% |
0.56%
+0.3% YoY
|
0.49%
-7.0% YoY
|
0.65%
+0.6% YoY
|
61% |
Signature Analysis
Strengths (1)
Tier 1 Capital Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
40.41%
(Tier avg: 8.85%, National avg: 9.75%)
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 2%
in Micro
Why this stands out
Current:
28.29%
(Tier avg: 74.53%, National avg: 78.04%)
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
Total Assets
Current: $495.4M · Tier avg: $217.5M
99
99th pctile
Total Deposits
Current: $435.3M · Tier avg: $183.7M
99
99th pctile
Tier 1 Capital Ratio
Current: 40.41% · Tier avg: 8.85%
83
83th pctile
Efficiency Ratio
Current: 54.11% · Tier avg: 67.73%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
51
51th pctile
Total Loans
Current: $123.1M · Tier avg: $139.2M
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
2
2th pctile
Loan-to-Deposit Ratio
Current: 28.29% · Tier avg: 74.53%
Top Weaknesses
2
2th pctile
Loan-to-Deposit Ratio
Current: 28.29% · Tier avg: 74.53%
37
37th pctile
Delinquency Rate
Current: 0.72% · Tier avg: 0.64%
51
51th pctile
Total Loans
Current: $123.1M · Tier avg: $139.2M
54
54th pctile
Net Interest Margin
Current: 3.87% · Tier avg: 3.85%
58
58th pctile
Nonperforming Asset Ratio
Current: 0.18% · Tier avg: 0.45%
61
61th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.13% · Tier avg: 22.39%
74
74th pctile
Return on Assets
Current: 1.48% · Tier avg: 1.08%
83
83th pctile
Efficiency Ratio
Current: 54.11% · Tier avg: 67.73%
99
99th pctile
Tier 1 Capital Ratio
Current: 40.41% · Tier avg: 8.85%
99
99th pctile
Total Deposits
Current: $435.3M · Tier avg: $183.7M
100
100th pctile
Total Assets
Current: $495.4M · Tier avg: $217.5M