Nashville, IL · Cert 3821 · Farmers&Merchants Bancshares
National charter · OCC · 8 branches
Q2 2026
Market Position · St. Louis, MO-IL · 2026 SOD (annual) · 0.0% share · #98 of 111 inst. · $0.0B of $141.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.95% | 1.03% | 1.21% | 1.24% | 1.24% | 1.23% | 1.23% | 1.28% | +4 bps | |
| Return on Equity | 12.09% | 13.05% | 14.20% | 14.41% | 14.19% | 13.89% | 12.74% | 13.04% | -137 bps | |
| Net Interest Margin | 3.18% | 3.33% | 3.64% | 3.64% | 3.66% | 3.67% | 3.80% | 3.86% | +22 bps | |
| Efficiency Ratio | 65.18% | 63.94% | 63.01% | 62.37% | 62.14% | 61.45% | 62.89% | 62.50% | +13 bps | |
| Non-Interest Burden | 1.90% | 1.95% | 2.10% | 2.08% | 2.09% | 2.07% | 2.20% | 2.22% | +14 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 6.26% | -5.53% | 1.82% | 1.08% | 4.31% | 6.96% | 4.12% | 1.08% | 0 bps | |
| Loan Growth (YoY) | 5.75% | 1.55% | 1.64% | 4.64% | 6.52% | 7.77% | 2.64% | 6.18% | +154 bps | |
| Deposit Growth (YoY) | 1.78% | 4.74% | 10.53% | 7.37% | 5.51% | 5.45% | 3.04% | -0.29% | -766 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.08% | 0.08% | 0.08% | 0.12% | 0.00% | 0.81% | 0.33% | 0.61% | +49 bps | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.05% | 0.01% | 0.01% | +1 bps | |
| Allowance / Loans | 1.02% | 0.97% | 0.99% | 1.00% | 1.00% | 0.96% | 1.03% | 1.02% | +1 bps | |
| Allowance Coverage of NPLs | 12.7x | 12.6x | 12.7x | 8.2x | n/a | 1.2x | 3.1x | 1.7x | -6.5x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.76% | 11.12% | 11.47% | 11.19% | 11.25% | 11.33% | 11.61% | 11.60% | +40 bps | |
| Total Risk-Based Capital | 16.98% | 16.05% | 16.61% | 16.63% | 16.21% | 15.88% | 16.65% | 16.15% | -47 bps | |
| Equity / Assets | 8.58% | 8.30% | 8.80% | 8.78% | 8.91% | 9.60% | 9.78% | 10.06% | +128 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 67.56% | 74.25% | 71.47% | 71.72% | 68.21% | 75.88% | 71.20% | 76.37% | +465 bps | |
| Liquid Assets / Assets | 7.29% | 1.01% | 3.16% | 3.73% | 6.20% | 3.41% | 6.83% | 3.44% | -28 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 206% | 209% | 193.87% | n/a | n/a | |