Stuttgart, AR · Cert 16216 · Farmers&Merchants Bankshares
State charter, Fed member · FED · 21 branches
Q2 2026
Market Position · Fayetteville-Springdale-Rogers, AR · 2026 SOD (annual) · 2.3% share · #10 of 42 inst. · $0.5B of $20.2B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.71% | 0.79% | 0.93% | 1.09% | 1.04% | 1.00% | 1.05% | 1.09% | 0 bps | |
| Return on Equity | 6.63% | 7.26% | 8.53% | 10.02% | 9.56% | 9.06% | 9.45% | 9.76% | -26 bps | |
| Net Interest Margin | 3.00% | 3.29% | 3.27% | 3.41% | 3.47% | 3.58% | 3.64% | 3.73% | +32 bps | |
| Efficiency Ratio | 70.49% | 69.01% | 64.76% | 62.51% | 65.00% | 63.41% | 64.41% | 63.49% | +99 bps | |
| Non-Interest Burden | 1.89% | 2.00% | 1.77% | 1.64% | 1.99% | 1.96% | 2.08% | 2.06% | +42 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 2.99% | 0.50% | 0.32% | 2.33% | 6.07% | 7.75% | 7.49% | 6.32% | +399 bps | |
| Loan Growth (YoY) | 4.97% | 8.21% | 7.29% | 6.15% | 7.08% | 7.08% | 6.15% | 5.86% | -29 bps | |
| Deposit Growth (YoY) | 2.09% | 3.65% | 6.89% | 5.18% | 9.65% | 6.98% | 9.34% | 11.19% | +601 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.34% | 0.32% | 0.31% | 0.27% | 0.23% | 0.47% | 0.53% | 0.39% | +12 bps | |
| Net Charge-Offs / Loans | 0.10% | 0.28% | 0.19% | 0.31% | 0.00% | 0.09% | 0.00% | 0.01% | -29 bps | |
| Allowance / Loans | 1.20% | 1.21% | 1.21% | 1.20% | 1.22% | 1.27% | 1.27% | 1.29% | +9 bps | |
| Allowance Coverage of NPLs | 3.5x | 3.8x | 3.9x | 4.5x | 5.4x | 2.7x | 2.4x | 3.3x | -1.1x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 9.74% | 9.94% | 9.85% | 9.83% | 9.57% | 9.76% | 9.86% | 9.79% | -4 bps | |
| Total Risk-Based Capital | 9.74% | 9.94% | 9.85% | 9.83% | 9.57% | 9.76% | 9.86% | 9.79% | -4 bps | |
| Equity / Assets | 10.96% | 10.91% | 10.92% | 10.85% | 10.91% | 11.16% | 11.11% | 11.19% | +34 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 86.21% | 85.27% | 84.12% | 87.51% | 84.18% | 85.35% | 81.67% | 83.33% | -419 bps | |
| Liquid Assets / Assets | 0.13% | 0.14% | 0.89% | 0.12% | 0.29% | 0.18% | 1.63% | 0.78% | +66 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 317% | 314% | 309% | n/a | n/a | |