BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Community
Specialty: Commercial
GA
FDIC cert 5716
Lakeland, GA
1484
banks in Community tier nationally
36 in GA
View Community leaderboard (GA) →
Farmers and Merchants Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Profitability Leader: Top 14% in Community
- + Net Interest Margin 1.10% above tier
Key Concerns
Areas that may need attention
- - Capital Thin: Bottom 40% in Community
- - Nonperforming Asset Ratio 1.13% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$763.4M
+3.8% YoY
+1.2% QoQ
|
-$628.0M |
$1.4B
+2.0% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$594.7M
+13.8% YoY
+6.8% QoQ
|
-$380.8M |
$975.5M
+2.4% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
40% |
| Total Deposits ? |
$672.9M
-0.6% YoY
-1.8% QoQ
|
-$491.7M |
$1.2B
+1.7% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
36% |
| Return on Assets ? |
1.55%
+108.7% YoY
-1.6% QoQ
|
+0.39% |
1.16%
+17.2% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
76% |
| Net Interest Margin ? |
4.76%
+2.2% YoY
+0.6% QoQ
|
+1.10% |
3.66%
+9.1% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Top 8% in tier |
| Efficiency Ratio ? |
53.85%
-27.1% YoY
+3.2% QoQ
|
-8.78% |
62.63%
-5.3% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
75% |
| Delinquency Rate ? |
1.85%
-43.3% YoY
-0.5% QoQ
|
+1.22% |
0.63%
+18.3% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
Bottom 11% in tier |
| Loan-to-Deposit Ratio ? |
88.38%
+14.6% YoY
+8.8% QoQ
|
+5.32% |
83.06%
+0.3% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
60% |
| Non-Interest-Bearing Deposit Share ? |
15.62%
-4.2% YoY
-7.4% QoQ
|
-5.42% |
21.05%
-0.9% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
28% |
| Nonperforming Asset Ratio ? |
1.62%
-29.7% YoY
+9.9% QoQ
|
+1.13% |
0.50%
+20.3% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
Bottom 9% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -10.24% |
10.24%
-0.6% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
29% |
| Non-Interest Income / Assets ? |
0.46%
+30.9% YoY
+14.6% QoQ
|
-0.28% |
0.74%
-1.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
44% |
Signature Analysis
Strengths (2)
Profitability Leader
growth
#54 of 371 · Top 14% in Community
Top-quartile profitability for peers of this size. Strong fundamentals and operational efficiency.
Why this signature
Return on Assets:
1.55%
(Tier: 1.16%, National: 1.12%)
371 of 371 Community banks match
·
444 nationally
→ Stable
+5 banks QoQ
|
QoQ rank improving
Net Interest Margin
metric
Top 8%
in Community
Why this stands out
Current:
4.76%
(Tier avg: 3.66%, National avg: 3.75%)
Concerns (2)
Capital Thin
risk
#174 of 432 · Bottom 40% in Community
Tier 1 capital ratio in the bottom quartile of peers. Capital cushion thin relative to peers - regulator-watching cohort.
Why this signature
Tier 1 Risk-Based Capital Ratio:
0.00%
(Tier: 10.24%, National: 9.75%)
432 of 432 Community banks match
·
505 nationally
→ Stable
+11 banks QoQ
|
QoQ rank improving
Nonperforming Asset Ratio
metric
Bottom 9%
in Community
Why this stands out
Current:
1.62%
(Tier avg: 0.50%, National avg: 0.48%)
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
92
92th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.66%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
75
75th pctile
Efficiency Ratio
Current: 53.85% · Tier avg: 62.63%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.38% · Tier avg: 83.06%
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
40
40th pctile
Total Loans
Current: $594.7M · Tier avg: $975.5M
36
36th pctile
Total Deposits
Current: $672.9M · Tier avg: $1.2B
32
32th pctile
Total Assets
Current: $763.4M · Tier avg: $1.4B
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.62% · Tier avg: 21.05%
11
11th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.63%
9
9th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.50%
Top Weaknesses
9
9th pctile
Nonperforming Asset Ratio
Current: 1.62% · Tier avg: 0.50%
11
11th pctile
Delinquency Rate
Current: 1.85% · Tier avg: 0.63%
28
28th pctile
Non-Interest-Bearing Deposit Share
Current: 15.62% · Tier avg: 21.05%
29
29th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 10.24%
32
32th pctile
Total Assets
Current: $763.4M · Tier avg: $1.4B
36
36th pctile
Total Deposits
Current: $672.9M · Tier avg: $1.2B
40
40th pctile
Total Loans
Current: $594.7M · Tier avg: $975.5M
44
44th pctile
Non-Interest Income / Assets
Current: 0.46% · Tier avg: 0.74%
60
60th pctile
Loan-to-Deposit Ratio
Current: 88.38% · Tier avg: 83.06%
75
75th pctile
Efficiency Ratio
Current: 53.85% · Tier avg: 62.63%
76
76th pctile
Return on Assets
Current: 1.55% · Tier avg: 1.16%
92
92th pctile
Net Interest Margin
Current: 4.76% · Tier avg: 3.66%