BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Agricultural
TX
FDIC cert 3170
Designations: ✓ Community bank
De Leon, TX
2498
banks in Micro tier nationally
193 in TX
View Micro leaderboard (TX) →
Farmers and Merchants Bank shows strong momentum with 3 strengths and 40.0% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% below tier
- + Non-Interest-Bearing Deposit Share 16.04% above tier
- + Nonperforming Asset Ratio 0.45% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (TX) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$245.0M
+40.0% YoY
-0.8% QoQ
|
+$27.5M |
$217.5M
+2.3% YoY
|
$2.3B
-0.7% YoY
|
$5.9B
+6.5% YoY
|
61% |
| Total Loans ? |
$137.8M
+39.2% YoY
+3.1% QoQ
|
-$1.4M |
$139.2M
+2.8% YoY
|
$1.0B
+7.5% YoY
|
$3.1B
+8.5% YoY
|
56% |
| Total Deposits ? |
$209.6M
+41.0% YoY
-1.0% QoQ
|
+$26.0M |
$183.7M
+1.8% YoY
|
$1.9B
+2.1% YoY
|
$4.7B
+6.3% YoY
|
62% |
| Return on Assets ? |
1.68%
+39.3% YoY
-4.1% QoQ
|
+0.59% |
1.08%
+14.7% YoY
|
1.40%
+9.8% YoY
|
1.12%
+15.6% YoY
|
82% |
| Net Interest Margin ? |
4.83%
+7.4% YoY
+0.6% QoQ
|
+0.97% |
3.85%
+6.6% YoY
|
4.07%
+5.6% YoY
|
3.75%
+7.1% YoY
|
Top 13% in tier |
| Efficiency Ratio ? |
58.65%
-7.9% YoY
+1.5% QoQ
|
-9.08% |
67.73%
-4.8% YoY
|
61.95%
-3.4% YoY
|
65.09%
-5.1% YoY
|
71% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.57%
+45.3% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
65.72%
-1.3% YoY
+4.1% QoQ
|
-8.81% |
74.53%
+0.5% YoY
|
67.65%
-1.7% YoY
|
78.04%
+0.7% YoY
|
68% |
| Non-Interest-Bearing Deposit Share ? |
38.44%
-9.4% YoY
+0.3% QoQ
|
+16.04% |
22.39%
-1.3% YoY
|
29.04%
-1.4% YoY
|
21.79%
-1.3% YoY
|
Top 8% in tier |
| Nonperforming Asset Ratio ? |
0.00%
-100.0% YoY
|
-0.45% |
0.45%
+25.1% YoY
|
0.42%
+34.9% YoY
|
0.48%
+20.8% YoY
|
Top 1% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
10.86%
-2.2% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
+5.7% YoY
+40.2% QoQ
|
-0.16% |
0.56%
+0.3% YoY
|
0.87%
+17.4% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (3)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
Non-Interest-Bearing Deposit Share
metric
Top 8%
in Micro
Why this stands out
Current:
38.44%
(Tier avg: 22.39%, National avg: 21.79%)
Nonperforming Asset Ratio
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.45%, National avg: 0.48%)
Concerns (0)
No concerns identified
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: 0.64%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.44% · Tier avg: 22.39%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
71
71th pctile
Efficiency Ratio
Current: 58.65% · Tier avg: 67.73%
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.72% · Tier avg: 74.53%
62
62th pctile
Total Deposits
Current: $209.6M · Tier avg: $183.7M
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
56
56th pctile
Total Loans
Current: $137.8M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
Top Weaknesses
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
56
56th pctile
Total Loans
Current: $137.8M · Tier avg: $139.2M
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
61
61th pctile
Total Assets
Current: $245.0M · Tier avg: $217.5M
62
62th pctile
Total Deposits
Current: $209.6M · Tier avg: $183.7M
68
68th pctile
Loan-to-Deposit Ratio
Current: 65.72% · Tier avg: 74.53%
71
71th pctile
Efficiency Ratio
Current: 58.65% · Tier avg: 67.73%
82
82th pctile
Return on Assets
Current: 1.68% · Tier avg: 1.08%
87
87th pctile
Net Interest Margin
Current: 4.83% · Tier avg: 3.85%
92
92th pctile
Non-Interest-Bearing Deposit Share
Current: 38.44% · Tier avg: 22.39%
100
100th pctile
Nonperforming Asset Ratio
Current: 0.00% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%