Farmers and Merchants National Bank of Nashville, The
Nashville, IL · Cert 3821 · Peer group: banks under $1B in assets in IL (n=149-151) · Farmers&Merchants Bancshares
National charter · OCC · 8 branches
Q2 2026
$270.3MAssets
$185.2MLoans
$242.6MDeposits
$27.2MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 77% of banks under $1B in assets in IL (rank 34 of 151).
- Widest gap: equity / assets trails 60% of banks under $1B in assets in IL (rank 91 of 151).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
1.31%
Rank 41 of 151
Net Interest Margin
3.86%
Rank 34 of 151
Efficiency Ratio
62.50%
Rank 66 of 151
Equity / Assets
10.06%
Rank 91 of 151
Non-interest income vs. expense
Unfavorable gap of $6.2M · efficiency ratio beats 57% of banks under $1B in assets in IL | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.31% | 0.70% | 1.03% | 1.34% | Beats 73% | 41 / 151 | |
| Return on Equity | 12.99% | 6.74% | 9.34% | 12.94% | Beats 75% | 37 / 151 | |
| Net Interest Margin | 3.86% | 3.02% | 3.43% | 3.83% | Beats 77% | 34 / 151 | |
| Efficiency Ratio | 62.50% | 54.64% | 64.89% | 72.50% | Beats 57% | 66 / 151 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.61% | 0.20% | 0.66% | 1.77% | Beats 52% | 73 / 149 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.07% | Beats 74% | 40 / 149 | |
| Capital |
| Tier 1 Capital Ratio | 15.26% | 11.83% | 14.17% | 18.66% | Beats 59% | 62 / 151 | |
| Total Risk-Based Capital Ratio | 16.15% | 12.22% | 14.54% | 19.92% | Beats 60% | 60 / 151 | |
| Equity / Assets | 10.06% | 9.10% | 10.65% | 12.40% | Beats 40% | 91 / 151 | |
| Liquidity & Funding |
| Loans / Deposits | 76.37% | 54.39% | 71.02% | 80.75% | 64th pctl | 53 / 149 | |
| Loans / Assets | 68.54% | 45.91% | 61.31% | 68.01% | 76th pctl | 36 / 151 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |