BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Other
AL
FDIC cert 13887
Designations: ✓ Community bank
Lafayette, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Farmers and Merchants Bank faces 1 concern requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Loan-to-Deposit Ratio 30.76% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$304.6M
+6.5% YoY
+2.5% QoQ
|
+$87.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
73% |
| Total Loans ? |
$120.6M
+4.3% YoY
-2.2% QoQ
|
-$18.6M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
50% |
| Total Deposits ? |
$275.6M
+4.6% YoY
+2.6% QoQ
|
+$91.9M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
76% |
| Return on Assets ? |
1.03%
+21.5% YoY
+0.5% QoQ
|
-0.06% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
48% |
| Net Interest Margin ? |
3.14%
+6.3% YoY
+0.9% QoQ
|
-0.71% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
20% |
| Efficiency Ratio ? |
57.74%
-8.4% YoY
-0.1% QoQ
|
-9.99% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
73% |
| Delinquency Rate ? |
1.07%
+23.1% YoY
+25.3% QoQ
|
+0.43% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
43.77%
-0.3% YoY
-4.7% QoQ
|
-30.76% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
Bottom 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
15.20%
-11.1% YoY
-9.8% QoQ
|
-7.19% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
24% |
| Nonperforming Asset Ratio ? |
0.43%
+20.7% YoY
+19.5% QoQ
|
-0.03% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
42% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.33%
-6.6% YoY
+30.3% QoQ
|
-0.23% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
46% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (1)
Loan-to-Deposit Ratio
metric
Bottom 8%
in Micro
Why this stands out
Current:
43.77%
(Tier avg: 74.53%, National avg: 78.04%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
76
76th pctile
Total Deposits
Current: $275.6M · Tier avg: $183.7M
73
73th pctile
Efficiency Ratio
Current: 57.74% · Tier avg: 67.73%
73
73th pctile
Total Assets
Current: $304.6M · Tier avg: $217.5M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
50
50th pctile
Total Loans
Current: $120.6M · Tier avg: $139.2M
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 22.39%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.77% · Tier avg: 74.53%
Top Weaknesses
8
8th pctile
Loan-to-Deposit Ratio
Current: 43.77% · Tier avg: 74.53%
20
20th pctile
Net Interest Margin
Current: 3.14% · Tier avg: 3.85%
24
24th pctile
Non-Interest-Bearing Deposit Share
Current: 15.20% · Tier avg: 22.39%
27
27th pctile
Delinquency Rate
Current: 1.07% · Tier avg: 0.64%
42
42th pctile
Nonperforming Asset Ratio
Current: 0.43% · Tier avg: 0.45%
46
46th pctile
Non-Interest Income / Assets
Current: 0.33% · Tier avg: 0.56%
48
48th pctile
Return on Assets
Current: 1.03% · Tier avg: 1.08%
50
50th pctile
Total Loans
Current: $120.6M · Tier avg: $139.2M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Total Assets
Current: $304.6M · Tier avg: $217.5M
73
73th pctile
Efficiency Ratio
Current: 57.74% · Tier avg: 67.73%
76
76th pctile
Total Deposits
Current: $275.6M · Tier avg: $183.7M