Is Mechanics&Farmers Bank Safe?
Mechanics&Farmers Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 24.56% | 100/100 |
| Nonperforming Loan Ratio | 0.40% | 92/100 |
| Liquidity Ratio | 34.41% | 100/100 |
| Return on Assets | 1.03% | 61/100 |
| Total Assets | $0.5B | |
How does Mechanics&Farmers Bank compare?
With a Bank Health Score of 94/100, Mechanics&Farmers Bank sits 24.0 points above the national average of 70/100 for FDIC-insured banks. Within North Carolina, where 36 FDIC-insured banks are headquartered, Mechanics&Farmers Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 24.56% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.40% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Mechanics&Farmers Bank's Bank Health Score fell by 3.0 points to 94/100. Tier 1 capital weakened by 0.56 percentage points to 24.56%.
Mechanics&Farmers Bank has a Bank Health Score of 94/100 (A), based on FDIC call report data. Its strongest factor is Tier 1 capital (100/100), while profitability is its weakest area (61/100).