BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Micro
Specialty: Other
GA
FDIC cert 16440
Designations: ✓ Community bank
Sylvania, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Farmers and Merchants Bank demonstrates 3 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Return on Assets 0.95% above tier
- + Efficiency Ratio 28.06% below tier
- + Loan-to-Deposit Ratio 31.14% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.8M
+1.7% YoY
+8.1% QoQ
|
-$44.7M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
44% |
| Total Loans ? |
$64.5M
+18.8% YoY
+3.6% QoQ
|
-$74.7M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
26% |
| Total Deposits ? |
$148.5M
-0.7% YoY
+8.6% QoQ
|
-$35.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
45% |
| Return on Assets ? |
2.03%
+4.5% YoY
-3.2% QoQ
|
+0.95% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
Top 9% in tier |
| Net Interest Margin ? |
4.28%
+3.2% YoY
-0.7% QoQ
|
+0.43% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
71% |
| Efficiency Ratio ? |
39.67%
-6.8% YoY
-1.1% QoQ
|
-28.06% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
Top 2% in tier |
| Delinquency Rate ? |
0.26%
-8.0% YoY
-11.5% QoQ
|
-0.38% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
58% |
| Loan-to-Deposit Ratio ? |
43.39%
+19.7% YoY
-4.6% QoQ
|
-31.14% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 8% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.96%
-4.2% YoY
-5.5% QoQ
|
+3.56% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
66% |
| Nonperforming Asset Ratio ? |
0.10%
-0.5% YoY
-15.2% QoQ
|
-0.36% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
68% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.45%
-2.3% YoY
+22.5% QoQ
|
-0.11% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
64% |
Signature Analysis
Strengths (3)
Return on Assets
metric
Top 9%
in Micro
Why this stands out
Current:
2.03%
(Tier avg: 1.08%, National avg: 1.12%)
Efficiency Ratio
metric
Top 2%
in Micro
Why this stands out
Current:
39.67%
(Tier avg: 67.73%, National avg: 65.09%)
Loan-to-Deposit Ratio
metric
Top 8%
in Micro
Why this stands out
Current:
43.39%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (0)
No concerns identified
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
98
98th pctile
Efficiency Ratio
Current: 39.67% · Tier avg: 67.73%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.39% · Tier avg: 74.53%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.96% · Tier avg: 22.39%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
45
45th pctile
Total Deposits
Current: $148.5M · Tier avg: $183.7M
44
44th pctile
Total Assets
Current: $172.8M · Tier avg: $217.5M
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
Top Weaknesses
26
26th pctile
Total Loans
Current: $64.5M · Tier avg: $139.2M
44
44th pctile
Total Assets
Current: $172.8M · Tier avg: $217.5M
45
45th pctile
Total Deposits
Current: $148.5M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
58
58th pctile
Delinquency Rate
Current: 0.26% · Tier avg: 0.64%
64
64th pctile
Non-Interest Income / Assets
Current: 0.45% · Tier avg: 0.56%
66
66th pctile
Non-Interest-Bearing Deposit Share
Current: 25.96% · Tier avg: 22.39%
68
68th pctile
Nonperforming Asset Ratio
Current: 0.10% · Tier avg: 0.45%
71
71th pctile
Net Interest Margin
Current: 4.28% · Tier avg: 3.85%
91
91th pctile
Return on Assets
Current: 2.03% · Tier avg: 1.08%
92
92th pctile
Loan-to-Deposit Ratio
Current: 43.39% · Tier avg: 74.53%
98
98th pctile
Efficiency Ratio
Current: 39.67% · Tier avg: 67.73%