BlastPoint's Banking Scorecard
The Farmers & Merchants Bank
Micro
Specialty: Agricultural
AL
FDIC cert 1745
Designations: ✓ Community bank
Waterloo, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
The Farmers & Merchants Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Return on Assets 0.92% below tier
- - Net Interest Margin 2.44% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$100.1M
+4.8% YoY
+1.3% QoQ
|
-$117.4M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
23% |
| Total Loans ? |
$5.2M
-4.4% YoY
-6.4% QoQ
|
-$134.0M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
Bottom 2% in tier |
| Total Deposits ? |
$88.1M
+1.5% YoY
+1.2% QoQ
|
-$95.6M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
24% |
| Return on Assets ? |
0.16%
+106.7% YoY
-63.7% QoQ
|
-0.92% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
Bottom 9% in tier |
| Net Interest Margin ? |
1.41%
+29.3% YoY
+1.6% QoQ
|
-2.44% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
Bottom 1% in tier |
| Efficiency Ratio ? |
88.60%
-11.5% YoY
+37.3% QoQ
|
+20.87% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
Bottom 10% in tier |
| Delinquency Rate ? |
0.83%
+40.6% YoY
-42.6% QoQ
|
+0.19% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
33% |
| Loan-to-Deposit Ratio ? |
5.91%
-5.8% YoY
-7.4% QoQ
|
-68.62% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
- |
| Non-Interest-Bearing Deposit Share ? |
28.07%
+21.9% YoY
+26.0% QoQ
|
+5.68% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
0.04%
+28.2% YoY
-47.0% QoQ
|
-0.41% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
75% |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
6.46%
-12.3% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.17%
+0.0% YoY
+48.5% QoQ
|
-0.39% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
19% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Return on Assets
metric
Bottom 9%
in Micro
Why this stands out
Current:
0.16%
(Tier avg: 1.08%, National avg: 1.12%)
Net Interest Margin
metric
Bottom 1%
in Micro
Why this stands out
Current:
1.41%
(Tier avg: 3.85%, National avg: 3.75%)
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
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 28.07% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
23
23th pctile
Total Assets
Current: $100.1M · Tier avg: $217.5M
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
10
10th pctile
Efficiency Ratio
Current: 88.60% · Tier avg: 67.73%
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
2
2th pctile
Total Loans
Current: $5.2M · Tier avg: $139.2M
1
1th pctile
Net Interest Margin
Current: 1.41% · Tier avg: 3.85%
Top Weaknesses
1
1th pctile
Net Interest Margin
Current: 1.41% · Tier avg: 3.85%
2
2th pctile
Total Loans
Current: $5.2M · Tier avg: $139.2M
9
9th pctile
Return on Assets
Current: 0.16% · Tier avg: 1.08%
10
10th pctile
Efficiency Ratio
Current: 88.60% · Tier avg: 67.73%
19
19th pctile
Non-Interest Income / Assets
Current: 0.17% · Tier avg: 0.56%
23
23th pctile
Total Assets
Current: $100.1M · Tier avg: $217.5M
24
24th pctile
Total Deposits
Current: $88.1M · Tier avg: $183.7M
33
33th pctile
Delinquency Rate
Current: 0.83% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 28.07% · Tier avg: 22.39%
75
75th pctile
Nonperforming Asset Ratio
Current: 0.04% · Tier avg: 0.45%