Farmers and Merchants Bank
Baldwyn, MS · Cert 15801 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · FMB Bancshares Inc.
State charter, Fed member · FED · 11 branches
Q2 2026
$565.8MAssets
$353.2MLoans
$481.2MDeposits
$76.2MEquity
Executive Summary
- Strongest standing: return on assets outperforms 86% of banks under $1B in assets operating in a single state (rank 103 of 746).
- Widest gap: net charge-offs / loans trails 87% of banks under $1B in assets operating in a single state (rank 650 of 743).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.73%
Rank 103 of 746
Net Interest Margin
4.29%
Rank 149 of 746
Efficiency Ratio
58.26%
Rank 245 of 746
Equity / Assets
13.46%
Rank 164 of 746
Non-interest income vs. expense
Unfavorable gap of $11.8M · efficiency ratio beats 67% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.73% | 0.72% | 1.06% | 1.45% | Beats 86% | 103 / 746 | | |
| Return on Equity | 12.89% | 6.74% | 10.51% | 13.63% | Beats 69% | 232 / 746 | | |
| Net Interest Margin | 4.29% | 3.17% | 3.68% | 4.16% | Beats 80% | 149 / 746 | | |
| Efficiency Ratio | 58.26% | 55.74% | 64.58% | 75.47% | Beats 67% | 245 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.69% | 0.09% | 0.42% | 1.07% | Beats 15% | 630 / 743 | | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 650 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 14.19% | 11.55% | 13.75% | 17.60% | Beats 54% | 344 / 746 | | |
| Total Risk-Based Capital Ratio | 14.19% | 11.71% | 14.33% | 18.43% | Beats 49% | 384 / 746 | | |
| Equity / Assets | 13.46% | 8.90% | 10.51% | 13.06% | Beats 78% | 164 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.40% | 61.31% | 78.27% | 90.78% | 41st pctl | 441 / 746 | | |
| Loans / Assets | 62.42% | 53.60% | 66.97% | 76.08% | 40th pctl | 448 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |