BlastPoint's Banking Scorecard
Farmers & Merchants Bank of Craig County
Micro
Specialty: Other
VA
FDIC cert 9986
Designations: ✓ Community bank
New Castle, VA
2498
banks in Micro tier nationally
18 in VA
View Micro leaderboard (VA) →
Farmers & Merchants Bank of Craig County demonstrates 1 strength
Key Strengths
Areas where this bank excels compared to peers
- + Delinquency Rate 0.64% 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 (VA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$92.8M
+5.0% YoY
+2.3% QoQ
|
-$124.7M |
$217.5M
+2.3% YoY
|
$17.5B
+24.6% YoY
|
$5.9B
+6.5% YoY
|
20% |
| Total Loans ? |
$59.5M
+13.5% YoY
+4.0% QoQ
|
-$79.6M |
$139.2M
+2.8% YoY
|
$10.7B
+28.4% YoY
|
$3.1B
+8.5% YoY
|
24% |
| Total Deposits ? |
$76.8M
+5.0% YoY
+2.6% QoQ
|
-$106.8M |
$183.7M
+1.8% YoY
|
$13.8B
+21.4% YoY
|
$4.7B
+6.3% YoY
|
20% |
| Return on Assets ? |
1.00%
+15.7% YoY
+0.4% QoQ
|
-0.08% |
1.08%
+14.7% YoY
|
0.94%
+24.9% YoY
|
1.12%
+15.6% YoY
|
46% |
| Net Interest Margin ? |
3.48%
+6.6% YoY
+1.6% QoQ
|
-0.38% |
3.85%
+6.6% YoY
|
3.66%
+9.0% YoY
|
3.75%
+7.1% YoY
|
33% |
| Efficiency Ratio ? |
62.18%
-4.9% YoY
-1.5% QoQ
|
-5.55% |
67.73%
-4.8% YoY
|
66.70%
-6.7% YoY
|
65.09%
-5.1% YoY
|
61% |
| Delinquency Rate ? |
0.00%
-100.0% YoY
|
-0.64% |
0.64%
+24.4% YoY
|
0.75%
+37.7% YoY
|
0.66%
+20.3% YoY
|
Top 1% in tier |
| Loan-to-Deposit Ratio ? |
77.50%
+8.1% YoY
+1.3% QoQ
|
+2.98% |
74.53%
+0.5% YoY
|
79.98%
+0.8% YoY
|
78.04%
+0.7% YoY
|
52% |
| Non-Interest-Bearing Deposit Share ? |
25.75%
+1.4% YoY
-5.0% QoQ
|
+3.36% |
22.39%
-1.3% YoY
|
24.23%
+0.2% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.04%
+0.9% YoY
-2.3% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.53%
+39.4% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
11.48%
+7.9% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.22%
-2.8% YoY
+44.8% QoQ
|
-0.34% |
0.56%
+0.3% YoY
|
0.64%
-0.2% YoY
|
0.65%
+0.6% YoY
|
27% |
Signature Analysis
Strengths (1)
Delinquency Rate
metric
Top 1%
in Micro
Why this stands out
Current:
0.00%
(Tier avg: 0.64%, National avg: 0.66%)
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%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.75% · Tier avg: 22.39%
61
61th pctile
Efficiency Ratio
Current: 62.18% · Tier avg: 67.73%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.50% · Tier avg: 74.53%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
24
24th pctile
Total Loans
Current: $59.5M · Tier avg: $139.2M
20
20th pctile
Total Deposits
Current: $76.8M · Tier avg: $183.7M
20
20th pctile
Total Assets
Current: $92.8M · Tier avg: $217.5M
Top Weaknesses
20
20th pctile
Total Assets
Current: $92.8M · Tier avg: $217.5M
20
20th pctile
Total Deposits
Current: $76.8M · Tier avg: $183.7M
24
24th pctile
Total Loans
Current: $59.5M · Tier avg: $139.2M
27
27th pctile
Non-Interest Income / Assets
Current: 0.22% · Tier avg: 0.56%
33
33th pctile
Net Interest Margin
Current: 3.48% · Tier avg: 3.85%
46
46th pctile
Return on Assets
Current: 1.00% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Loan-to-Deposit Ratio
Current: 77.50% · Tier avg: 74.53%
61
61th pctile
Efficiency Ratio
Current: 62.18% · Tier avg: 67.73%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.75% · Tier avg: 22.39%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
100
100th pctile
Delinquency Rate
Current: 0.00% · Tier avg: 0.64%