BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Agricultural
OK
FDIC cert 4144
Designations: ✓ Community bank
Maysville, OK
2498
banks in Micro tier nationally
121 in OK
View Micro leaderboard (OK) →
Farmers and Merchants Bank has 1 strength but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 2.32% above tier
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.17% above tier
- - Nonperforming Asset Ratio 1.45% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OK) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$22.8M
+1.0% YoY
-6.1% QoQ
|
-$194.7M |
$217.5M
+2.3% YoY
|
$1.2B
+6.0% YoY
|
$5.9B
+6.5% YoY
|
Bottom 2% in tier |
| Total Loans ? |
$11.4M
-12.3% YoY
+1.7% QoQ
|
-$127.8M |
$139.2M
+2.8% YoY
|
$796.2M
+5.4% YoY
|
$3.1B
+8.5% YoY
|
Bottom 3% in tier |
| Total Deposits ? |
$20.4M
-0.9% YoY
-7.3% QoQ
|
-$163.2M |
$183.7M
+1.8% YoY
|
$938.6M
+4.7% YoY
|
$4.7B
+6.3% YoY
|
Bottom 3% in tier |
| Return on Assets ? |
1.26%
-18.9% YoY
+27.8% QoQ
|
+0.18% |
1.08%
+14.7% YoY
|
1.36%
+10.0% YoY
|
1.12%
+15.6% YoY
|
63% |
| Net Interest Margin ? |
6.17%
-17.2% YoY
-0.7% QoQ
|
+2.32% |
3.85%
+6.6% YoY
|
4.26%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Top 2% in tier |
| Efficiency Ratio ? |
67.02%
+15.5% YoY
+0.7% QoQ
|
-0.71% |
67.73%
-4.8% YoY
|
63.62%
-4.9% YoY
|
65.09%
-5.1% YoY
|
48% |
| Delinquency Rate ? |
3.81%
+638.6% YoY
-10.8% QoQ
|
+3.17% |
0.64%
+24.4% YoY
|
0.95%
+12.2% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
55.79%
-11.5% YoY
+9.7% QoQ
|
-18.74% |
74.53%
+0.5% YoY
|
75.78%
+1.6% YoY
|
78.04%
+0.7% YoY
|
81% |
| Non-Interest-Bearing Deposit Share ? |
35.56%
-16.9% YoY
-19.3% QoQ
|
+13.16% |
22.39%
-1.3% YoY
|
23.21%
-2.4% YoY
|
21.79%
-1.3% YoY
|
Top 11% in tier |
| Nonperforming Asset Ratio ? |
1.91%
+541.5% YoY
-3.3% QoQ
|
+1.45% |
0.45%
+25.1% YoY
|
0.71%
+9.7% YoY
|
0.48%
+20.8% YoY
|
Bottom 7% in tier |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
|
-8.85% |
8.85%
-3.4% YoY
|
7.74%
-5.6% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.44%
+5.3% YoY
+29.6% QoQ
|
-0.12% |
0.56%
+0.3% YoY
|
0.68%
-3.1% YoY
|
0.65%
+0.6% YoY
|
62% |
Signature Analysis
Strengths (1)
Net Interest Margin
metric
Top 2%
in Micro
Why this stands out
Current:
6.17%
(Tier avg: 3.85%, National avg: 3.75%)
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.81%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 7%
in Micro
Why this stands out
Current:
1.91%
(Tier avg: 0.45%, National avg: 0.48%)
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
98
98th pctile
Net Interest Margin
Current: 6.17% · Tier avg: 3.85%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.56% · Tier avg: 22.39%
81
81th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 74.53%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
48
48th pctile
Efficiency Ratio
Current: 67.02% · Tier avg: 67.73%
7
7th pctile
Nonperforming Asset Ratio
Current: 1.91% · Tier avg: 0.45%
3
3th pctile
Total Loans
Current: $11.4M · Tier avg: $139.2M
3
3th pctile
Total Deposits
Current: $20.4M · Tier avg: $183.7M
2
2th pctile
Total Assets
Current: $22.8M · Tier avg: $217.5M
0
0th pctile
Delinquency Rate
Current: 3.81% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.81% · Tier avg: 0.64%
2
2th pctile
Total Assets
Current: $22.8M · Tier avg: $217.5M
3
3th pctile
Total Deposits
Current: $20.4M · Tier avg: $183.7M
3
3th pctile
Total Loans
Current: $11.4M · Tier avg: $139.2M
7
7th pctile
Nonperforming Asset Ratio
Current: 1.91% · Tier avg: 0.45%
48
48th pctile
Efficiency Ratio
Current: 67.02% · Tier avg: 67.73%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
62
62th pctile
Non-Interest Income / Assets
Current: 0.44% · Tier avg: 0.56%
63
63th pctile
Return on Assets
Current: 1.26% · Tier avg: 1.08%
81
81th pctile
Loan-to-Deposit Ratio
Current: 55.79% · Tier avg: 74.53%
89
89th pctile
Non-Interest-Bearing Deposit Share
Current: 35.56% · Tier avg: 22.39%
98
98th pctile
Net Interest Margin
Current: 6.17% · Tier avg: 3.85%