Farmers and Merchants State Bank
Langdon, ND · Cert 21728 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · F&M Bancshares Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$143.1MAssets
$80.9MLoans
$105.6MDeposits
$20.8MEquity
Executive Summary
- Strongest standing: equity / assets outperforms 85% of banks under $1B in assets operating in a single state (rank 115 of 746).
- Widest gap: net charge-offs / loans trails 94% of banks under $1B in assets operating in a single state (rank 698 of 743).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.22%
Rank 287 of 746
Net Interest Margin
3.38%
Rank 496 of 746
Efficiency Ratio
51.14%
Rank 123 of 746
Equity / Assets
14.53%
Rank 115 of 746
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 84% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.22% | 0.72% | 1.06% | 1.45% | Beats 62% | 287 / 746 | |
| Return on Equity | 8.39% | 6.74% | 10.51% | 13.63% | Beats 36% | 475 / 746 | |
| Net Interest Margin | 3.38% | 3.17% | 3.68% | 4.16% | Beats 34% | 496 / 746 | |
| Efficiency Ratio | 51.14% | 55.74% | 64.58% | 75.47% | Beats 84% | 123 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.86% | 0.09% | 0.42% | 1.07% | Beats 13% | 648 / 743 | |
| Net Charge-Offs / Loans | 0.25% | 0.00% | 0.01% | 0.05% | Beats 6% | 698 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 15.70% | 11.55% | 13.75% | 17.60% | Beats 67% | 249 / 746 | |
| Total Risk-Based Capital Ratio | 15.70% | 11.71% | 14.33% | 18.43% | Beats 61% | 292 / 746 | |
| Equity / Assets | 14.53% | 8.90% | 10.51% | 13.06% | Beats 85% | 115 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 76.62% | 61.31% | 78.27% | 90.78% | 47th pctl | 393 / 746 | |
| Loans / Assets | 56.54% | 53.60% | 66.97% | 76.08% | 30th pctl | 520 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |