Farmers & Merchants Bank, The
Stuttgart, AR · Cert 16216 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · Farmers&Merchants Bankshares
State charter, Fed member · FED · 21 branches
Q2 2026
$2.0BAssets
$1.4BLoans
$1.7BDeposits
$225.4MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 64% of banks $1B-$10B in assets operating in a single state (rank 92 of 258).
- Widest gap: total risk-based capital ratio trails 95% of banks $1B-$10B in assets operating in a single state (rank 244 of 258).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.06%
Rank 165 of 258
Net Interest Margin
3.65%
Rank 97 of 258
Efficiency Ratio
64.61%
Rank 171 of 257
Equity / Assets
11.19%
Rank 92 of 258
Non-interest income vs. expense
Unfavorable gap of $41.5M · efficiency ratio beats 34% of banks $1B-$10B 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 | 1.06% | 0.93% | 1.23% | 1.54% | Beats 36% | 165 / 258 | | |
| Return on Equity | 9.44% | 9.26% | 11.84% | 14.74% | Beats 27% | 189 / 258 | | |
| Net Interest Margin | 3.65% | 3.16% | 3.49% | 3.88% | Beats 62% | 97 / 258 | | |
| Efficiency Ratio | 64.61% | 51.71% | 60.30% | 69.65% | Beats 34% | 171 / 257 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.39% | 0.19% | 0.46% | 0.90% | Beats 57% | 113 / 258 | | |
| Net Charge-Offs / Loans | 0.02% | 0.01% | 0.02% | 0.07% | Beats 59% | 106 / 258 | | |
| Capital |
| Tier 1 Capital Ratio | 9.79% | 11.41% | 12.98% | 15.12% | Beats 5% | 244 / 258 | | |
| Total Risk-Based Capital Ratio | 9.79% | 12.10% | 13.91% | 16.08% | Beats 5% | 244 / 258 | | |
| Equity / Assets | 11.19% | 9.09% | 10.24% | 11.72% | Beats 64% | 92 / 258 | | |
| Liquidity & Funding |
| Loans / Deposits | 83.33% | 73.24% | 86.34% | 95.95% | 41st pctl | 153 / 258 | | |
| Loans / Assets | 71.08% | 63.01% | 72.27% | 78.40% | 46th pctl | 139 / 258 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |