BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Sylvania, GA
3 branches across GA
Farmers and Merchants Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 23.97% below tier average
- + ROA 0.70% above tier average
- + Net Interest Margin 0.26% above tier average
- + Delinquency Rate 0.68% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$172.1M
+1.9% YoY
-0.4% QoQ
|
-$213.9M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
20% |
| Total Loans ? |
$62.0M
+8.8% YoY
-3.9% QoQ
|
-$193.8M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.4% in tier |
| Total Deposits ? |
$147.6M
+0.5% YoY
-0.6% QoQ
|
-$180.3M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
21% |
| Return on Assets ? |
1.96%
+2.4% YoY
-3.3% QoQ
|
+0.70% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Top 13.3% in tier |
| Net Interest Margin ? |
4.19%
-0.7% YoY
-2.3% QoQ
|
+0.26% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
68% |
| Efficiency Ratio ? |
41.32%
-4.0% YoY
+4.2% QoQ
|
-23.97% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
Top 5.1% in tier |
| Delinquency Rate ? |
0.21%
-17.6% YoY
-18.0% QoQ
|
-0.68% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
41.96%
+8.3% YoY
-3.3% QoQ
|
-34.67% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 5.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
26.33%
-5.9% YoY
+1.4% QoQ
|
+4.31% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
71% |
| Nonperforming Asset Ratio ? |
0.08%
-12.0% YoY
-20.9% QoQ
|
-0.56% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
74% |
| Tier 1 Capital Ratio ? |
15.61%
+4.6% YoY
-0.4% QoQ
|
-0.22% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
70% |
| Non-Interest Income / Assets ? |
0.11%
-4.5% YoY
-76.2% QoQ
|
-0.17% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
57% |
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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 (0)
Concerns (0)
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.