BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Community
Specialty: Commercial
NC
FDIC cert 2036
Granite Quarry, NC
1484
banks in Community tier nationally
14 in NC
View Community leaderboard (NC) →
Farmers & Merchants Bank has 4 strengths but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 30% in Community
- + Revenue Diversifier: Top 32% in Community
- + Return on Assets 1.08% above tier
- + Tier 1 Capital Ratio 14.33% above tier
Key Concerns
Areas that may need attention
- - Liquidity Overhang: Bottom 46% in Community
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (NC) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$965.7M
+8.0% YoY
+2.0% QoQ
|
-$425.8M |
$1.4B
+2.0% YoY
|
$91.2B
+2.2% YoY
|
$5.9B
+6.5% YoY
|
47% |
| Total Loans ? |
$520.4M
-0.2% YoY
+0.7% QoQ
|
-$455.0M |
$975.5M
+2.4% YoY
|
$44.3B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$814.1M
+7.5% YoY
+1.9% QoQ
|
-$350.5M |
$1.2B
+1.7% YoY
|
$71.7B
+2.4% YoY
|
$4.7B
+6.3% YoY
|
48% |
| Return on Assets ? |
2.24%
-4.8% YoY
-0.4% QoQ
|
+1.08% |
1.16%
+17.2% YoY
|
0.79%
+31.0% YoY
|
1.12%
+15.6% YoY
|
Top 6% in tier |
| Net Interest Margin ? |
5.18%
-2.6% YoY
-0.7% QoQ
|
+1.52% |
3.66%
+9.1% YoY
|
3.33%
+2.7% YoY
|
3.75%
+7.1% YoY
|
Top 4% in tier |
| Efficiency Ratio ? |
52.14%
+4.8% YoY
+0.3% QoQ
|
-10.49% |
62.63%
-5.3% YoY
|
72.56%
-8.8% YoY
|
65.09%
-5.1% YoY
|
79% |
| Delinquency Rate ? |
0.64%
+536.2% YoY
-5.7% QoQ
|
+0.01% |
0.63%
+18.3% YoY
|
0.49%
+30.0% YoY
|
0.66%
+20.3% YoY
|
39% |
| Loan-to-Deposit Ratio ? |
63.93%
-7.2% YoY
-1.1% QoQ
|
-19.13% |
83.06%
+0.3% YoY
|
83.09%
+1.2% YoY
|
78.04%
+0.7% YoY
|
Top 12% in tier |
| Non-Interest-Bearing Deposit Share ? |
30.83%
-8.3% YoY
-5.5% QoQ
|
+9.78% |
21.05%
-0.9% YoY
|
18.05%
-3.4% YoY
|
21.79%
-1.3% YoY
|
Top 15% in tier |
| Nonperforming Asset Ratio ? |
0.47%
+137.8% YoY
-6.0% QoQ
|
-0.03% |
0.50%
+20.3% YoY
|
0.34%
+25.8% YoY
|
0.48%
+20.8% YoY
|
40% |
| Tier 1 Capital Ratio ? |
24.57%
+8.7% YoY
+0.4% QoQ
|
+14.33% |
10.24%
-0.6% YoY
|
11.31%
+19.0% YoY
|
9.75%
-1.9% YoY
|
Top 3% in tier |
| Non-Interest Income / Assets ? |
0.97%
-0.1% YoY
+33.1% QoQ
|
+0.23% |
0.74%
-1.3% YoY
|
0.90%
+0.1% YoY
|
0.65%
+0.6% YoY
|
85% |
Signature Analysis
Strengths (4)
Deposit Franchise
growth
#45 of 150 · Top 30% in Community
Top-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Why this signature
Noninterest-Bearing Deposit Share:
30.83%
(Tier: 21.05%, National: 21.79%)
Net Interest Margin:
5.18%
(Tier: 3.66%, National: 3.75%)
150 of 150 Community banks match
·
176 nationally
→ Stable
+2 banks QoQ
|
QoQ rank declining
Revenue Diversifier
growth
#121 of 371 · Top 32% 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:
0.97%
(Tier: 0.74%, National: 0.65%)
Return on Assets:
2.24%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
441 nationally
→ Stable
+4 banks QoQ
|
QoQ rank improving
Return on Assets
metric
Top 6%
in Community
Why this stands out
Current:
2.24%
(Tier avg: 1.16%, National avg: 1.12%)
Tier 1 Capital Ratio
metric
Top 3%
in Community
Why this stands out
Current:
24.57%
(Tier avg: 10.24%, National avg: 9.75%)
Concerns (1)
Liquidity Overhang
risk
#124 of 268 · Bottom 46% in Community
Exceptional capital position (Tier 1 >= 16%, top quartile). Strong fundamentals - opportunity to deploy capital more productively.
Why this signature
Tier 1 Risk-Based Capital Ratio:
24.57%
(Tier: 10.24%, National: 9.75%)
Loan-to-Deposit Ratio:
63.93%
(Tier: 83.06%, National: 78.04%)
268 of 268 Community banks match
·
314 nationally
→ Stable
+6 banks QoQ
|
QoQ rank declining
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
97
97th pctile
Tier 1 Capital Ratio
Current: 24.57% · Tier avg: 10.24%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.93% · Tier avg: 83.06%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 21.05%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
79
79th pctile
Efficiency Ratio
Current: 52.14% · Tier avg: 62.63%
48
48th pctile
Total Deposits
Current: $814.1M · Tier avg: $1.2B
47
47th pctile
Total Assets
Current: $965.7M · Tier avg: $1.4B
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
34
34th pctile
Total Loans
Current: $520.4M · Tier avg: $975.5M
Top Weaknesses
34
34th pctile
Total Loans
Current: $520.4M · Tier avg: $975.5M
39
39th pctile
Delinquency Rate
Current: 0.64% · Tier avg: 0.63%
40
40th pctile
Nonperforming Asset Ratio
Current: 0.47% · Tier avg: 0.50%
47
47th pctile
Total Assets
Current: $965.7M · Tier avg: $1.4B
48
48th pctile
Total Deposits
Current: $814.1M · Tier avg: $1.2B
79
79th pctile
Efficiency Ratio
Current: 52.14% · Tier avg: 62.63%
85
85th pctile
Non-Interest Income / Assets
Current: 0.97% · Tier avg: 0.74%
85
85th pctile
Non-Interest-Bearing Deposit Share
Current: 30.83% · Tier avg: 21.05%
88
88th pctile
Loan-to-Deposit Ratio
Current: 63.93% · Tier avg: 83.06%
94
94th pctile
Return on Assets
Current: 2.24% · Tier avg: 1.16%
96
96th pctile
Net Interest Margin
Current: 5.18% · Tier avg: 3.66%
97
97th pctile
Tier 1 Capital Ratio
Current: 24.57% · Tier avg: 10.24%