Farmers & Merchants Bank
Timberville, VA · Cert 8668 · Peer group: banks $1B-$10B in assets operating in a single state (n=257-258) · F&M Bank Corp.
State charter, Fed member · FED · 16 branches
Q2 2026
$1.4BAssets
$927.9MLoans
$1.3BDeposits
$116.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 75% of banks $1B-$10B in assets operating in a single state (rank 64 of 258).
- Widest gap: equity / assets trails 89% of banks $1B-$10B in assets operating in a single state (rank 229 of 258).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.24%
Rank 128 of 258
Net Interest Margin
3.42%
Rank 142 of 258
Efficiency Ratio
58.19%
Rank 111 of 257
Equity / Assets
8.31%
Rank 229 of 258
Non-interest income vs. expense
Unfavorable gap of $19.7M · efficiency ratio beats 57% of banks $1B-$10B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.24% | 0.93% | 1.23% | 1.54% | Beats 50% | 128 / 258 | |
| Return on Equity | 14.90% | 9.26% | 11.84% | 14.74% | Beats 75% | 64 / 258 | |
| Net Interest Margin | 3.42% | 3.16% | 3.49% | 3.88% | Beats 45% | 142 / 258 | |
| Efficiency Ratio | 58.19% | 51.71% | 60.30% | 69.65% | Beats 57% | 111 / 257 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.43% | 0.19% | 0.46% | 0.90% | Beats 52% | 125 / 258 | |
| Net Charge-Offs / Loans | 0.16% | 0.01% | 0.02% | 0.07% | Beats 14% | 224 / 258 | |
| Capital |
| Tier 1 Capital Ratio | 13.50% | 11.41% | 12.98% | 15.12% | Beats 57% | 110 / 258 | |
| Total Risk-Based Capital Ratio | 14.43% | 12.10% | 13.91% | 16.08% | Beats 56% | 114 / 258 | |
| Equity / Assets | 8.31% | 9.09% | 10.24% | 11.72% | Beats 11% | 229 / 258 | |
| Liquidity & Funding |
| Loans / Deposits | 73.24% | 73.24% | 86.34% | 95.95% | 25th pctl | 194 / 258 | |
| Loans / Assets | 66.47% | 63.01% | 72.27% | 78.40% | 31st pctl | 178 / 258 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |