Farmers and Merchants Bank
De Leon, TX · Cert 3170 · Peer group: banks under $1B in assets in TX (n=208-211) · F&M Bancshares Inc.
State charter, non-member · FDIC · 7 branches
Q2 2026
$269.8MAssets
$148.0MLoans
$232.9MDeposits
$34.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in TX (rank 44 of 208).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in TX (rank 186 of 208).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.42%
Rank 70 of 211
Net Interest Margin
4.06%
Rank 82 of 211
Efficiency Ratio
57.65%
Rank 73 of 211
Equity / Assets
12.61%
Rank 64 of 211
Non-interest income vs. expense
Unfavorable gap of $5.7M · efficiency ratio beats 66% of banks under $1B in assets in TX | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.42% | 0.87% | 1.20% | 1.65% | Beats 67% | 70 / 211 | | |
| Return on Equity | 11.27% | 7.52% | 11.67% | 14.58% | Beats 47% | 112 / 211 | | |
| Net Interest Margin | 4.06% | 3.28% | 3.82% | 4.31% | Beats 61% | 82 / 211 | | |
| Efficiency Ratio | 57.65% | 53.01% | 64.18% | 73.65% | Beats 66% | 73 / 211 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.01% | 0.30% | 1.10% | Beats 100% | 44 / 208 | | |
| Net Charge-Offs / Loans | 0.16% | 0.00% | 0.01% | 0.06% | Beats 11% | 186 / 208 | | |
| Capital |
| Tier 1 Capital Ratio | 11.97% | 11.72% | 14.45% | 19.57% | Beats 26% | 156 / 211 | | |
| Total Risk-Based Capital Ratio | 11.97% | 11.94% | 14.78% | 20.30% | Beats 26% | 157 / 211 | | |
| Equity / Assets | 12.61% | 9.41% | 11.06% | 12.94% | Beats 70% | 64 / 211 | | |
| Liquidity & Funding |
| Loans / Deposits | 63.54% | 45.39% | 66.56% | 82.03% | 44th pctl | 117 / 208 | | |
| Loans / Assets | 54.86% | 39.13% | 56.90% | 70.46% | 43rd pctl | 121 / 211 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |