Farmers and Mechanics Federal Savings Bank
Bloomfield, IN · Cert 28478 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
SI · FDIC · 3 branches
Q2 2026
$113.6MAssets
$64.8MLoans
$105.8MDeposits
$5.4MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: equity / assets trails 99% of banks under $1B in assets operating in a single state (rank 739 of 746).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
-0.26%
Rank 726 of 746
Net Interest Margin
2.72%
Rank 677 of 746
Efficiency Ratio
108.04%
Rank 730 of 746
Equity / Assets
4.74%
Rank 739 of 746
Non-interest income vs. expense
Unfavorable gap of $3.4M · efficiency ratio beats 2% 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 | -0.26% | 0.72% | 1.06% | 1.45% | Beats 3% | 726 / 746 | |
| Return on Equity | -5.39% | 6.74% | 10.51% | 13.63% | Beats 2% | 733 / 746 | |
| Net Interest Margin | 2.72% | 3.17% | 3.68% | 4.16% | Beats 9% | 677 / 746 | |
| Efficiency Ratio | 108.04% | 55.74% | 64.58% | 75.47% | Beats 2% | 730 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.12% | 0.00% | 0.01% | 0.05% | Beats 13% | 645 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 11.76% | 11.55% | 13.75% | 17.60% | Beats 29% | 531 / 746 | |
| Total Risk-Based Capital Ratio | 12.17% | 11.71% | 14.33% | 18.43% | Beats 29% | 527 / 746 | |
| Equity / Assets | 4.74% | 8.90% | 10.51% | 13.06% | Beats 1% | 739 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 61.29% | 61.31% | 78.27% | 90.78% | 25th pctl | 561 / 746 | |
| Loans / Assets | 57.07% | 53.60% | 66.97% | 76.08% | 31st pctl | 516 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |