Farmers & Merchants Bank of North Dakota
Tolna, ND · Cert 8640 · Peer group: banks under $1B in assets (n=581-629) · Tolna Bcorp Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$119.8MAssets
$47.1MLoans
$106.9MDeposits
$12.6MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 55% of banks under $1B in assets (rank 267 of 581).
- Widest gap: total risk-based capital ratio trails 81% of banks under $1B in assets (rank 510 of 629).
- Overall: at or above the peer median on 1 of 9 directional measures.
Return on Assets
0.71%
Rank 441 of 629
Net Interest Margin
2.87%
Rank 510 of 629
Efficiency Ratio
71.97%
Rank 383 of 629
Equity / Assets
10.48%
Rank 335 of 629
Non-interest income vs. expense
Unfavorable gap of $2.5M · efficiency ratio beats 39% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.71% | 0.60% | 1.01% | 1.45% | Beats 30% | 441 / 629 | | |
| Return on Equity | 6.74% | 5.38% | 9.30% | 13.28% | Beats 32% | 429 / 629 | | |
| Net Interest Margin | 2.87% | 3.03% | 3.54% | 4.05% | Beats 19% | 510 / 629 | | |
| Efficiency Ratio | 71.97% | 58.35% | 67.79% | 79.08% | Beats 39% | 383 / 629 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.73% | 0.09% | 0.46% | 1.20% | Beats 37% | 365 / 581 | | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 55% | 267 / 581 | | |
| Capital |
| Tier 1 Capital Ratio | 10.99% | 11.24% | 13.84% | 18.77% | Beats 22% | 489 / 629 | | |
| Total Risk-Based Capital Ratio | 10.99% | 11.58% | 14.43% | 19.66% | Beats 19% | 510 / 629 | | |
| Equity / Assets | 10.48% | 9.09% | 10.65% | 13.80% | Beats 47% | 335 / 629 | | |
| Liquidity & Funding |
| Loans / Deposits | 44.07% | 67.24% | 80.90% | 93.48% | 8th pctl | 549 / 594 | | |
| Loans / Assets | 39.33% | 53.31% | 67.71% | 78.15% | 14th pctl | 539 / 629 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |