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BDI
F&

Farmers & Merchants Bank

Duke, OklahomaFDIC Cert #12284

STATEEstablished 19101 branch

Holding company: Not reportedRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET + LNLSGR
90+ %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + LNLSGR
Nonaccrual %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET + LNLSGR
Noncurrent %
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.00%
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
0.00%
Peer standing84th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + LNLSGR
NCO
$0
Peer standing85th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.96%
−12.9%y/y
Percentile by value72nd percentileby value
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICLNATRES + LNLSGR
30–89
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP3ASSET
90+
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICP9ASSET
Nonaccrual
$0
Peer standing100th percentile
Peer standing in FFIEC UBPR Peer Group 8 — Insured commercial banks having assets less than $50 million
FDICNAASSET