TellerScore

Farmers & Merchants Bank is a state-chartered bank headquartered in Duke, Oklahoma, in business for about 116 years. At the end of Q2 2026 it reported $20.5M in total assets and $18.1M in deposits, with 1 office.

Farmers & Merchants Bank has a TellerScore of 79 out of 100 (strong) based on Q2 2026 data — higher than 63% of its 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 50th. Loan quality contributes the most (100/100, 0.00%); earnings contributes the least (48/100, 0.71%).

TellerScore · Q2 2026

Scorecard

Capital cushion63/100
Tier 1 leverage ratio: 11.30%
Loan quality100/100
Noncurrent loans ÷ total loans: 0.00%
Earnings48/100
Return on assets (annualized): 0.71%
Funding & liquidity100/100
Loans ÷ deposits and uninsured-deposit share: 34.8% · 10.1% uninsured
Problem-loan coverage100/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 0.00%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

The score has been essentially flat from Q2 2025 to Q2 2026 (80 → 79).

TellerScore
788286Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202486
Q3 202486
Q4 202479
Q1 202578
Q2 202580
Q3 202583
Q4 202579
Q1 202679
Q2 202679
Tier 1 leverage ratio
5.00%8.92%12.83%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTier 1 leverage ratio
Q2 202412.83%
Q3 202412.75%
Q4 202412.07%
Q1 202511.55%
Q2 202511.50%
Q3 202511.88%
Q4 202511.92%
Q1 202611.75%
Q2 202611.30%
Noncurrent loans
-1.00%0.00%1.00%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterNoncurrent loans
Q2 20240.00%
Q3 20240.00%
Q4 20240.00%
Q1 20250.00%
Q2 20250.00%
Q3 20250.00%
Q4 20250.00%
Q1 20260.00%
Q2 20260.00%
Return on assets
0.47%0.80%1.13%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterReturn on assets
Q2 20241.09%
Q3 20241.13%
Q4 20240.49%
Q1 20250.47%
Q2 20250.76%
Q3 20251.00%
Q4 20250.52%
Q1 20260.58%
Q2 20260.71%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202679$20.5M11.30%0.00%0.71%34.8%
Q1 202679$19.8M11.75%0.00%0.58%36.3%
Q4 202579$18.8M11.92%0.00%0.52%39.4%
Q3 202583$19.2M11.88%0.00%1.00%36.4%
Q2 202580$20.1M11.50%0.00%0.76%31.8%
Q1 202578$19.6M11.55%0.00%0.47%31.5%
Q4 202479$18.1M12.07%0.00%0.49%34.2%
Q3 202486$18.5M12.75%0.00%1.13%35.3%
Q2 202486$18.6M12.83%0.00%1.09%29.7%

546 peers · Under $100 million in assets

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio11.30%
33rd
Total risk-based capital0.00%
27th
Problem loans0.00%
84th
Net charge-offs0.00%
58th
Return on assets0.71%
36th
Net interest margin3.70%
40th
Efficiency ratio80.3%
31st
Loans to deposits34.8%
87th
Uninsured deposits10.1%
76th
Loan-loss reserves1.96%
83rd
Texas ratio0.0%
85th

Similar-size banks in Oklahoma

InstitutionScoreAssetsCapitalProblem loansCompare
Farmers and Merchants BankBank Maysville, OK71 out of 100, Strong$22.0M10.9%1.61%vs
The First National Bank of FletcherBank Fletcher, OK65 out of 100, Moderate$23.4M9.9%1.07%vs
First State Bank in TempleBank Temple, OK64 out of 100, Moderate$26.4M22.2%8.60%vs
Peoples State BankBank Blair, OK85 out of 100, Very strong$13.9M13.0%0.00%vs
Bank of ViciBank Vici, OK30 out of 100, Low$28.9M10.2%12.31%vs
The Hopeton State BankBank Hopeton, OK66 out of 100, Moderate$30.8M11.3%0.00%vs

Deposit insurance

Is my money safe at Farmers & Merchants Bank?

Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #12284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.1% of deposits ($1.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 11.30%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

1 location

Branches

Farmers & Merchants Bank lists 1 office in 1 city. Most locations:

  • Duke, OK (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers & Merchants Bank
Type
State-chartered bank
FDIC certificate #
12284
RSSD ID
273859
Primary regulator
FDIC
Established
May 2, 1910
Headquarters
101 East Second Street, Duke, OK 73532
Employees
4

Quick answers

Farmers & Merchants Bank: common questions

Is Farmers & Merchants Bank FDIC insured?

Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #12284). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers & Merchants Bank's TellerScore?

79 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers & Merchants Bank ever failed?

There is no failure record for FDIC certificate #12284 in the FDIC failed bank list.

How many branches does Farmers & Merchants Bank have?

1 office as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Duke

InstitutionScoreAssetsCapitalProblem loansCompare
Peoples State BankBank Blair, OK85 out of 100, Very strong$13.9M13.0%0.00%vs
Shamrock Bank, N.A.Bank Coalgate, OK79 out of 100, Strong$501.5M10.8%0.29%vs
Red River Federal Credit UnionCredit union Altus, OK79 out of 100, Strong$168.4M12.1%0.28%vs
Frazer BankBank Altus, OK77 out of 100, Strong$354.3M11.2%0.00%vs
Cattlemens BankBank Altus, OK68 out of 100, Moderate$595.2M10.3%0.29%vs
Herring BankBank Amarillo, TX66 out of 100, Moderate$540.5M12.2%0.55%vs