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Farmers and Merchants Bank

$100M-$1B Specialty: Other AL FDIC cert 13887

Lafayette, AL

3 branches across AL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 63 in AL.
  • Deposits +4.9% year over year ($276.9M on the books).
  • Delinquency rate 0.99%.
  • Return on assets 1.08%.
  • Efficiency ratio 55.39% vs a 64.48% peer average.
  • Loan-to-deposit ratio 45.63% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 63 in AL
View $100M-$1B leaderboard (AL) →

Farmers and Merchants Bank has 1 strength but faces 4 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 9.09% below tier average

Key Concerns

Areas that may need attention

  • - Credit Risk Growth: Bottom 10.6% in tier
  • - Credit Quality Pressure: Bottom 37.6% in tier
  • - ROA 0.24% below tier average
  • - Net Interest Margin 0.81% below tier average
Get updates when Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Total Assets ? $307.6M
+6.3% YoY +0.7% QoQ
-$78.9M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
47%
Total Loans ? $126.3M
+4.4% YoY +0.9% QoQ
-$132.0M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
27%
Total Deposits ? $276.9M
+4.9% YoY +0.1% QoQ
-$49.9M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
50%
Return on Assets ? 1.08%
+6.6% YoY +1.0% QoQ
-0.24% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
39%
Net Interest Margin ? 3.18%
+3.3% YoY +1.4% QoQ
-0.81% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
15%
Efficiency Ratio ? 55.39%
-4.0% YoY +0.1% QoQ
-9.09% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
71%
Delinquency Rate ? 0.99%
+4.2% YoY -10.3% QoQ
+0.07% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
29%
Loan-to-Deposit Ratio ? 45.63%
-0.5% YoY +0.8% QoQ
-32.32% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 6.3% in tier
Non-Interest-Bearing Deposit Share ? 16.89%
-2.2% YoY +2.7% QoQ
-5.14% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
32%
Nonperforming Asset Ratio ? 0.41%
+2.4% YoY -10.1% QoQ
-0.26% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
44%
Tier 1 Capital Ratio ? 11.56%
-31.4% YoY +9.0% QoQ
-4.35% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
30%
Non-Interest Income / Assets ? 0.17%
-4.4% YoY +94.1% QoQ
-0.40% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
40%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Noninterest-Bearing 16.9%
-0.4pp YoY
+0.4pp QoQ
 -5.3pp 22.1% 24.0% 22.2% 32%
Brokered Deposits n/a n/a 7.9% 5.5% 8.5% n/a

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
C&I 15.9%
-0.8pp YoY
-0.5pp QoQ
 +4.3pp 11.6% 16.9% 12.5% 79%
CRE 36.9%
+1.0pp YoY
-0.3pp QoQ
 -2.6pp 39.5% 43.5% 41.4% 47%
1-4 Family 30.7%
+5.2pp YoY
+1.3pp QoQ
 -1.9pp 32.6% 30.6% 31.3% 53%
Consumer 9.3%
+0.2pp YoY
+0.1pp QoQ
 +5.2pp 4.1% 5.7% 5.0% 91%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.1% 19.7% n/a
Leverage Ratio 11.6%
+0.9pp YoY
+1.0pp QoQ
 -0.6pp 12.2% 13.2% 12.6% 59%
Total Capital Ratio n/a n/a 19.9% 16.2% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 36
-1 (-2.7%) YoY
-1 (-2.7%) QoQ
 -23 58 304 482 36%
Assets per Employee ($) $8.5M
+9.2% YoY
+3.5% QoQ
 +$1.0M $7.5M $6.9M $8.8M 74%
Branch Count 3
0 YoY
0 QoQ
 -2 4 20 18 26%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days 0.0%
0.0pp YoY
0.0pp QoQ
 -0.3pp 0.3% 0.2% 0.4% 18%
Nonaccrual 1.0%
0.0pp YoY
-0.1pp QoQ
 0.0pp 0.9% 1.2% 1.0% 71%
Allowance Coverage 1.27x
+9.7% YoY
+12.1% QoQ
 -22.88x 24.15x 7.50x 20.23x 34%
Net Charge-off Rate (YTD) 0.1%
+0.1pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.3% 0.2% 80%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 15.6%
-2.5pp YoY
-0.1pp QoQ
 +3.4pp 12.2% 10.0% 11.6% 71%
Cost of Funds (YTD) 1.9%
-0.1pp YoY
0.0pp QoQ
 +0.2pp 1.7% 1.7% 1.7% 66%
Net Income ($, YTD) $1.6M
+13.8% YoY
— QoQ
 -$906K $2.6M $17.2M $40.4M 45%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (2)

Credit Risk Growth

risk
#100 of 936 • Bottom 10.6% in tier

Loan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.

936 of 936 Community banks match · 1401 nationally
→ Stable -58 banks QoQ | QoQ rank improving

Credit Quality Pressure

risk
#473 of 1256 • Bottom 37.6% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.99%
(Tier: 0.92%, National: 0.98%)
worse than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (1 metrics)

168
Loan-to-Deposit Ratio
liquidity
Value: 45.63%
Peer Median: 77.95%
#168 of 2643 Top 6.3% in $100M-$1B

Top Weaknesses (1 metrics)

2238
Net Interest Margin
profitability
Value: 3.18%
Peer Median: 3.99%
#2238 of 2643 Bottom 15.4% in $100M-$1B
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