Farmers and Merchants Bank
Maysville, OK · Cert 4144 · Peer group: banks under $1B in assets in OK (n=88-89)
State charter, non-member · FDIC · 1 branch
Q2 2026
$22.0MAssets
$12.2MLoans
$19.6MDeposits
$2.4MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 90% of banks under $1B in assets in OK (rank 9 of 89).
- Widest gap: net charge-offs / loans trails 89% of banks under $1B in assets in OK (rank 79 of 88).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.40%
Rank 32 of 89
Net Interest Margin
5.13%
Rank 9 of 89
Efficiency Ratio
71.14%
Rank 67 of 89
Equity / Assets
10.93%
Rank 46 of 89
Non-interest income vs. expense
Unfavorable gap of $790K · efficiency ratio beats 26% of banks under $1B in assets in OK | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.40% | 0.85% | 1.26% | 1.60% | Beats 64% | 32 / 89 | |
| Return on Equity | 12.78% | 7.40% | 11.89% | 14.65% | Beats 57% | 38 / 89 | |
| Net Interest Margin | 5.13% | 3.46% | 3.93% | 4.45% | Beats 90% | 9 / 89 | |
| Efficiency Ratio | 71.14% | 54.70% | 60.95% | 71.14% | Beats 26% | 67 / 89 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.61% | 0.30% | 0.82% | 2.25% | Beats 34% | 59 / 88 | |
| Net Charge-Offs / Loans | 0.50% | 0.00% | 0.03% | 0.20% | Beats 11% | 79 / 88 | |
| Capital |
| Tier 1 Capital Ratio | 10.89% | 10.89% | 13.00% | 16.33% | Beats 24% | 68 / 89 | |
| Total Risk-Based Capital Ratio | 10.89% | 11.20% | 13.06% | 16.33% | Beats 21% | 70 / 89 | |
| Equity / Assets | 10.93% | 9.26% | 10.94% | 13.52% | Beats 48% | 46 / 89 | |
| Liquidity & Funding |
| Loans / Deposits | 62.26% | 61.51% | 72.27% | 84.01% | 28th pctl | 63 / 88 | |
| Loans / Assets | 55.43% | 52.51% | 63.15% | 71.27% | 31st pctl | 61 / 89 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |