BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Community
Specialty: Commercial
MD
FDIC cert 1895
Upperco, MD
1484
banks in Community tier nationally
13 in MD
View Community leaderboard (MD) →
Farmers and Merchants Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.63% below tier
Key Concerns
Areas that may need attention
- - Capital Constraint: Bottom 2% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (MD) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$872.4M
+3.3% YoY
+0.3% QoQ
|
-$519.1M |
$1.4B
+2.0% YoY
|
$1.8B
+5.9% YoY
|
$5.9B
+6.5% YoY
|
40% |
| Total Loans ? |
$633.9M
+8.7% YoY
+1.8% QoQ
|
-$341.6M |
$975.5M
+2.4% YoY
|
$1.3B
+9.1% YoY
|
$3.1B
+8.5% YoY
|
44% |
| Total Deposits ? |
$722.1M
-5.0% YoY
-2.0% QoQ
|
-$442.5M |
$1.2B
+1.7% YoY
|
$1.6B
+8.9% YoY
|
$4.7B
+6.3% YoY
|
40% |
| Return on Assets ? |
0.75%
+27.3% YoY
+7.4% QoQ
|
-0.42% |
1.16%
+17.2% YoY
|
0.92%
+11.6% YoY
|
1.12%
+15.6% YoY
|
22% |
| Net Interest Margin ? |
3.16%
+12.2% YoY
+2.7% QoQ
|
-0.50% |
3.66%
+9.1% YoY
|
3.64%
+2.9% YoY
|
3.75%
+7.1% YoY
|
23% |
| Efficiency Ratio ? |
67.82%
-6.9% YoY
-2.1% QoQ
|
+5.19% |
62.63%
-5.3% YoY
|
68.23%
-2.6% YoY
|
65.09%
-5.1% YoY
|
32% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-0.63% |
0.63%
+18.3% YoY
|
0.71%
+11.8% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
87.78%
+14.4% YoY
+4.0% QoQ
|
+4.72% |
83.06%
+0.3% YoY
|
87.22%
+2.3% YoY
|
78.04%
+0.7% YoY
|
59% |
| Non-Interest-Bearing Deposit Share ? |
16.96%
+15.8% YoY
+0.1% QoQ
|
-4.09% |
21.05%
-0.9% YoY
|
20.12%
-3.1% YoY
|
21.79%
-1.3% YoY
|
34% |
| Nonperforming Asset Ratio ? |
0.19%
+2.5% YoY
-58.8% QoQ
|
-0.31% |
0.50%
+20.3% YoY
|
0.55%
+8.4% YoY
|
0.48%
+20.8% YoY
|
66% |
| Tier 1 Capital Ratio ? |
11.65%
-0.1% YoY
+3.6% QoQ
|
+1.41% |
10.24%
-0.6% YoY
|
10.97%
-3.7% YoY
|
9.75%
-1.9% YoY
|
43% |
| Non-Interest Income / Assets ? |
0.22%
+4.8% YoY
+30.2% QoQ
|
-0.52% |
0.74%
-1.3% YoY
|
0.52%
+0.9% YoY
|
0.65%
+0.6% YoY
|
Bottom 13% in tier |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Community
Why this stands out
Current:
0.00%
(Tier avg: 0.63%, National avg: 0.66%)
Concerns (1)
Capital Constraint
risk
#2 of 47 · Bottom 2% in Community
Strong balance sheet under pressure - deposits leaving while lending capacity maxed. Need funding solutions before hitting regulatory limits.
Why this signature
Loan-to-Deposit Ratio:
87.78%
(Tier: 83.06%, National: 78.04%)
Tier 1 Risk-Based Capital Ratio:
11.65%
(Tier: 10.24%, National: 9.75%)
47 of 47 Community banks match
·
57 nationally
→ Stable
-1 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
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.78% · Tier avg: 83.06%
44
44th pctile
Total Loans
Current: $633.9M · Tier avg: $975.5M
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
40
40th pctile
Total Assets
Current: $872.4M · Tier avg: $1.4B
40
40th pctile
Total Deposits
Current: $722.1M · Tier avg: $1.2B
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.96% · Tier avg: 21.05%
32
32th pctile
Efficiency Ratio
Current: 67.82% · Tier avg: 62.63%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
Top Weaknesses
13
13th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.74%
22
22th pctile
Return on Assets
Current: 0.75% · Tier avg: 1.16%
23
23th pctile
Net Interest Margin
Current: 3.16% · Tier avg: 3.66%
32
32th pctile
Efficiency Ratio
Current: 67.82% · Tier avg: 62.63%
34
34th pctile
Non-Interest-Bearing Deposit Share
Current: 16.96% · Tier avg: 21.05%
40
40th pctile
Total Deposits
Current: $722.1M · Tier avg: $1.2B
40
40th pctile
Total Assets
Current: $872.4M · Tier avg: $1.4B
43
43th pctile
Tier 1 Capital Ratio
Current: 11.65% · Tier avg: 10.24%
44
44th pctile
Total Loans
Current: $633.9M · Tier avg: $975.5M
59
59th pctile
Loan-to-Deposit Ratio
Current: 87.78% · Tier avg: 83.06%
66
66th pctile
Nonperforming Asset Ratio
Current: 0.19% · Tier avg: 0.50%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.63%