Farmers and Merchants Bank
Arnett, OK · Cert 13415 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 1 branch
Q2 2026
$80.3MAssets
$24.5MLoans
$69.9MDeposits
$10.0MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 88% of banks under $1B in assets in OK (rank 12 of 89).
- Widest gap: net interest margin trails 91% of banks under $1B in assets in OK (rank 81 of 89).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.24%
Rank 49 of 89
Net Interest Margin
3.04%
Rank 81 of 89
Efficiency Ratio
48.66%
Rank 12 of 89
Equity / Assets
12.43%
Rank 32 of 89
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 88% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.85% | 1.26% | 1.60% | Beats 45% | 49 / 89 | | |
| Return on Equity | 9.94% | 7.40% | 11.89% | 14.65% | Beats 43% | 51 / 89 | | |
| Net Interest Margin | 3.04% | 3.46% | 3.93% | 4.45% | Beats 9% | 81 / 89 | | |
| Efficiency Ratio | 48.66% | 54.70% | 60.95% | 71.14% | Beats 88% | 12 / 89 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.42% | 0.30% | 0.82% | 2.25% | Beats 68% | 29 / 88 | | |
| Net Charge-Offs / Loans | 0.46% | 0.00% | 0.03% | 0.20% | Beats 14% | 77 / 88 | | |
| Capital |
| Tier 1 Capital Ratio | 13.00% | 10.89% | 13.00% | 16.33% | Beats 49% | 45 / 89 | | |
| Total Risk-Based Capital Ratio | 13.00% | 11.20% | 13.06% | 16.33% | Beats 47% | 47 / 89 | | |
| Equity / Assets | 12.43% | 9.26% | 10.94% | 13.52% | Beats 64% | 32 / 89 | | |
| Liquidity & Funding |
| Loans / Deposits | 35.09% | 61.51% | 72.27% | 84.01% | 9th pctl | 80 / 88 | | |
| Loans / Assets | 30.52% | 52.51% | 63.15% | 71.27% | 8th pctl | 82 / 89 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |