BlastPoint's Banking Scorecard
Merchants & Farmers Bank of Greene County, Alabama
Micro
Specialty: Commercial
AL
FDIC cert 855
Designations: ✓ Community bank
Eutaw, AL
2498
banks in Micro tier nationally
65 in AL
View Micro leaderboard (AL) →
Merchants & Farmers Bank of Greene County, Alabama 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
- - Delinquency Rate 3.08% above tier
- - Nonperforming Asset Ratio 1.75% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$128.4M
+1.9% YoY
+0.8% QoQ
|
-$89.1M |
$217.5M
+2.3% YoY
|
$2.4B
+1.3% YoY
|
$5.9B
+6.5% YoY
|
31% |
| Total Loans ? |
$76.0M
+6.4% YoY
+4.3% QoQ
|
-$63.1M |
$139.2M
+2.8% YoY
|
$1.5B
-0.1% YoY
|
$3.1B
+8.5% YoY
|
32% |
| Total Deposits ? |
$113.3M
-0.1% YoY
+0.8% QoQ
|
-$70.4M |
$183.7M
+1.8% YoY
|
$2.0B
+1.3% YoY
|
$4.7B
+6.3% YoY
|
33% |
| Return on Assets ? |
1.07%
-14.3% YoY
-22.2% QoQ
|
-0.01% |
1.08%
+14.7% YoY
|
1.11%
+4.4% YoY
|
1.12%
+15.6% YoY
|
51% |
| Net Interest Margin ? |
3.82%
-4.5% YoY
-0.5% QoQ
|
-0.03% |
3.85%
+6.6% YoY
|
3.94%
+3.2% YoY
|
3.75%
+7.1% YoY
|
51% |
| Efficiency Ratio ? |
67.16%
+0.8% YoY
+3.1% QoQ
|
-0.57% |
67.73%
-4.8% YoY
|
64.78%
-3.4% YoY
|
65.09%
-5.1% YoY
|
47% |
| Delinquency Rate ? |
3.72%
+156.1% YoY
-13.7% QoQ
|
+3.08% |
0.64%
+24.4% YoY
|
0.66%
-12.1% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
67.12%
+6.5% YoY
+3.4% QoQ
|
-7.41% |
74.53%
+0.5% YoY
|
68.23%
+2.7% YoY
|
78.04%
+0.7% YoY
|
34% |
| Non-Interest-Bearing Deposit Share ? |
27.82%
-19.2% YoY
-2.1% QoQ
|
+5.42% |
22.39%
-1.3% YoY
|
24.36%
+3.3% YoY
|
21.79%
-1.3% YoY
|
73% |
| Nonperforming Asset Ratio ? |
2.20%
+167.2% YoY
-10.8% QoQ
|
+1.75% |
0.45%
+25.1% YoY
|
0.53%
+14.0% YoY
|
0.48%
+20.8% YoY
|
Bottom 6% in tier |
| 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 ? |
0.55%
-3.0% YoY
+34.8% QoQ
|
-0.01% |
0.56%
+0.3% YoY
|
0.77%
+11.5% YoY
|
0.65%
+0.6% YoY
|
73% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
3.72%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 6%
in Micro
Why this stands out
Current:
2.20%
(Tier avg: 0.45%, 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
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.82% · Tier avg: 22.39%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
47
47th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 67.73%
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.12% · Tier avg: 74.53%
33
33th pctile
Total Deposits
Current: $113.3M · Tier avg: $183.7M
32
32th pctile
Total Loans
Current: $76.0M · Tier avg: $139.2M
31
31th pctile
Total Assets
Current: $128.4M · Tier avg: $217.5M
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 3.72% · Tier avg: 0.64%
Top Weaknesses
0
0th pctile
Delinquency Rate
Current: 3.72% · Tier avg: 0.64%
6
6th pctile
Nonperforming Asset Ratio
Current: 2.20% · Tier avg: 0.45%
31
31th pctile
Total Assets
Current: $128.4M · Tier avg: $217.5M
32
32th pctile
Total Loans
Current: $76.0M · Tier avg: $139.2M
33
33th pctile
Total Deposits
Current: $113.3M · Tier avg: $183.7M
34
34th pctile
Loan-to-Deposit Ratio
Current: 67.12% · Tier avg: 74.53%
47
47th pctile
Efficiency Ratio
Current: 67.16% · Tier avg: 67.73%
51
51th pctile
Net Interest Margin
Current: 3.82% · Tier avg: 3.85%
51
51th pctile
Return on Assets
Current: 1.07% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
73
73th pctile
Non-Interest-Bearing Deposit Share
Current: 27.82% · Tier avg: 22.39%
73
73th pctile
Non-Interest Income / Assets
Current: 0.55% · Tier avg: 0.56%