BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Micro
Specialty: Commercial
GA
FDIC cert 9069
Designations: ✓ Community bank
Eatonton, GA
2498
banks in Micro tier nationally
87 in GA
View Micro leaderboard (GA) →
Farmers & Merchants Bank has 1 strength but faces 1 concern
Key Strengths
Areas where this bank excels compared to peers
- + Loan-to-Deposit Ratio 32.77% below tier
Key Concerns
Areas that may need attention
- - Net Interest Margin 1.19% below tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$312.0M
-6.8% YoY
+2.5% QoQ
|
+$94.5M |
$217.5M
+2.3% YoY
|
$791.9M
+9.3% YoY
|
$5.9B
+6.5% YoY
|
74% |
| Total Loans ? |
$117.6M
-15.7% YoY
+0.0% QoQ
|
-$21.5M |
$139.2M
+2.8% YoY
|
$538.5M
+10.1% YoY
|
$3.1B
+8.5% YoY
|
49% |
| Total Deposits ? |
$281.7M
-9.2% YoY
+2.2% QoQ
|
+$98.1M |
$183.7M
+1.8% YoY
|
$671.4M
+8.0% YoY
|
$4.7B
+6.3% YoY
|
78% |
| Return on Assets ? |
0.63%
+0.4% YoY
-0.4% QoQ
|
-0.45% |
1.08%
+14.7% YoY
|
1.46%
+11.8% YoY
|
1.12%
+15.6% YoY
|
24% |
| Net Interest Margin ? |
2.67%
+3.3% YoY
+0.2% QoQ
|
-1.19% |
3.85%
+6.6% YoY
|
4.40%
+3.8% YoY
|
3.75%
+7.1% YoY
|
Bottom 8% in tier |
| Efficiency Ratio ? |
66.53%
-4.4% YoY
+0.0% QoQ
|
-1.20% |
67.73%
-4.8% YoY
|
59.78%
-5.5% YoY
|
65.09%
-5.1% YoY
|
49% |
| Delinquency Rate ? |
1.08%
+273.8% YoY
-32.5% QoQ
|
+0.44% |
0.64%
+24.4% YoY
|
0.67%
+32.9% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
41.76%
-7.2% YoY
-2.1% QoQ
|
-32.77% |
74.53%
+0.5% YoY
|
72.12%
+2.8% YoY
|
78.04%
+0.7% YoY
|
Top 7% in tier |
| Non-Interest-Bearing Deposit Share ? |
33.93%
+10.6% YoY
-8.4% QoQ
|
+11.54% |
22.39%
-1.3% YoY
|
27.08%
-1.1% YoY
|
21.79%
-1.3% YoY
|
Top 14% in tier |
| Nonperforming Asset Ratio ? |
0.41%
+237.8% YoY
-34.1% QoQ
|
-0.05% |
0.45%
+25.1% YoY
|
0.46%
+30.5% YoY
|
0.48%
+20.8% YoY
|
43% |
| Tier 1 Capital Ratio ? |
20.34%
+16.5% YoY
+1.9% QoQ
|
+11.49% |
8.85%
-3.4% YoY
|
12.12%
+2.1% YoY
|
9.75%
-1.9% YoY
|
Top 13% in tier |
| Non-Interest Income / Assets ? |
0.25%
+1.3% YoY
+31.7% QoQ
|
-0.32% |
0.56%
+0.3% YoY
|
0.53%
-2.9% YoY
|
0.65%
+0.6% YoY
|
31% |
Signature Analysis
Strengths (1)
Loan-to-Deposit Ratio
metric
Top 7%
in Micro
Why this stands out
Current:
41.76%
(Tier avg: 74.53%, National avg: 78.04%)
Concerns (1)
Net Interest Margin
metric
Bottom 8%
in Micro
Why this stands out
Current:
2.67%
(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
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.76% · Tier avg: 74.53%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.34% · Tier avg: 8.85%
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.93% · Tier avg: 22.39%
78
78th pctile
Total Deposits
Current: $281.7M · Tier avg: $183.7M
74
74th pctile
Total Assets
Current: $312.0M · Tier avg: $217.5M
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
49
49th pctile
Efficiency Ratio
Current: 66.53% · Tier avg: 67.73%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.85%
Top Weaknesses
8
8th pctile
Net Interest Margin
Current: 2.67% · Tier avg: 3.85%
24
24th pctile
Return on Assets
Current: 0.63% · Tier avg: 1.08%
27
27th pctile
Delinquency Rate
Current: 1.08% · Tier avg: 0.64%
31
31th pctile
Non-Interest Income / Assets
Current: 0.25% · Tier avg: 0.56%
43
43th pctile
Nonperforming Asset Ratio
Current: 0.41% · Tier avg: 0.45%
49
49th pctile
Efficiency Ratio
Current: 66.53% · Tier avg: 67.73%
49
49th pctile
Total Loans
Current: $117.6M · Tier avg: $139.2M
74
74th pctile
Total Assets
Current: $312.0M · Tier avg: $217.5M
78
78th pctile
Total Deposits
Current: $281.7M · Tier avg: $183.7M
86
86th pctile
Non-Interest-Bearing Deposit Share
Current: 33.93% · Tier avg: 22.39%
87
87th pctile
Tier 1 Capital Ratio
Current: 20.34% · Tier avg: 8.85%
93
93th pctile
Loan-to-Deposit Ratio
Current: 41.76% · Tier avg: 74.53%