BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Sylvania, GA
3 branches across GA
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 96 in GA.
- Deposits -0.6% year over year ($145.6M on the books).
- Delinquency rate 0.21%.
- Return on assets 2.05%.
- Efficiency ratio 40.01% vs a 64.48% peer average.
- Loan-to-deposit ratio 40.05% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers and Merchants Bank demonstrates 4 strengths
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 24.47% below tier average
- + ROA 0.73% above tier average
- + Net Interest Margin 0.24% above tier average
- + Delinquency Rate 0.71% below tier average
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$170.7M
+1.1% YoY
-0.9% QoQ
|
-$215.9M |
$386.6M
+1.2% YoY
|
$843.5M
+13.2% YoY
|
$6.3B
+7.7% YoY
|
19% |
| Total Loans ? |
$58.3M
+1.2% YoY
-5.9% QoQ
|
-$200.0M |
$258.3M
+1.7% YoY
|
$581.6M
+14.3% YoY
|
$3.2B
+9.4% YoY
|
Bottom 4.4% in tier |
| Total Deposits ? |
$145.6M
-0.6% YoY
-1.4% QoQ
|
-$181.1M |
$326.7M
+0.7% YoY
|
$711.6M
+12.3% YoY
|
$4.9B
+7.3% YoY
|
20% |
| Return on Assets ? |
2.05%
+0.2% YoY
+4.4% QoQ
|
+0.73% |
1.32%
+10.8% YoY
|
1.55%
+0.3% YoY
|
1.30%
+12.1% YoY
|
Top 12.2% in tier |
| Net Interest Margin ? |
4.22%
-0.8% YoY
+0.9% QoQ
|
+0.24% |
3.99%
+5.0% YoY
|
4.42%
+1.2% YoY
|
3.95%
+4.9% YoY
|
66% |
| Efficiency Ratio ? |
40.01%
-2.1% YoY
-3.2% QoQ
|
-24.47% |
64.48%
-3.2% YoY
|
63.07%
+1.6% YoY
|
70.05%
+2.5% YoY
|
Top 4.1% in tier |
| Delinquency Rate ? |
0.21%
-37.5% YoY
+1.3% QoQ
|
-0.71% |
0.92%
+15.7% YoY
|
0.77%
+14.9% YoY
|
0.98%
+16.3% YoY
|
64% |
| Loan-to-Deposit Ratio ? |
40.05%
+1.8% YoY
-4.6% QoQ
|
-37.90% |
77.95%
+1.0% YoY
|
78.13%
+10.7% YoY
|
79.03%
+2.3% YoY
|
Top 4.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
25.76%
-2.4% YoY
-2.2% QoQ
|
+3.73% |
22.03%
-0.6% YoY
|
26.00%
-3.3% YoY
|
21.98%
-0.6% YoY
|
69% |
| Nonperforming Asset Ratio ? |
0.07%
-37.4% YoY
-3.8% QoQ
|
-0.60% |
0.67%
+16.4% YoY
|
0.54%
+11.1% YoY
|
0.69%
+15.8% YoY
|
75% |
| Tier 1 Capital Ratio ? |
16.16%
+4.4% YoY
+3.5% QoQ
|
+0.25% |
15.91%
+1.4% YoY
|
19.50%
+7.6% YoY
|
17.09%
+0.8% YoY
|
73% |
| Non-Interest Income / Assets ? |
0.23%
-2.1% YoY
+109.3% QoQ
|
-0.34% |
0.57%
+7.6% YoY
|
0.44%
+3.6% YoY
|
0.66%
+5.2% YoY
|
58% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
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 (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
25.8%
-0.6pp YoY -0.6pp QoQ |
+3.6pp | 22.1% | 26.2% | 22.2% | 68% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.5% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
4.3%
+0.5pp YoY -0.4pp QoQ |
-7.3pp | 11.6% | 9.7% | 12.5% | 16% |
| CRE |
59.8%
+7.1pp YoY +4.4pp QoQ |
+20.2pp | 39.5% | 48.9% | 41.4% | 84% |
| 1-4 Family |
26.8%
-6.5pp YoY -2.9pp QoQ |
-5.8pp | 32.6% | 31.7% | 31.3% | 44% |
| Consumer |
4.2%
-0.7pp YoY -0.1pp QoQ |
+0.1pp | 4.1% | 4.8% | 5.0% | 72% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 20.9% | 19.7% | n/a |
| Leverage Ratio |
16.2%
+0.7pp YoY +0.5pp QoQ |
+4.0pp | 12.2% | 14.0% | 12.6% | 91% |
| Total Capital Ratio | n/a | n/a | 19.9% | 22.1% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
22
0 YoY +1 (+4.8%) QoQ |
-37 | 58 | 98 | 482 | 14% |
| Assets per Employee ($) |
$7.8M
+1.1% YoY -5.4% QoQ |
+$239K | $7.5M | $7.5M | $8.8M | 64% |
| Branch Count |
3
0 YoY 0 QoQ |
-2 | 4 | 6 | 18 | 26% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | n/a | n/a | 0.3% | 0.1% | 0.4% | n/a |
| Nonaccrual |
0.2%
-0.1pp YoY 0.0pp QoQ |
-0.7pp | 0.9% | 0.8% | 1.0% | 31% |
| Allowance Coverage |
9.30x
+85.2% YoY +7.5% QoQ |
-14.85x | 24.15x | 38.10x | 20.23x | 80% |
| Net Charge-off Rate (YTD) | n/a | n/a | 0.1% | 0.1% | 0.2% | n/a |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
14.8%
-1.9pp YoY +0.4pp QoQ |
+2.6pp | 12.2% | 13.6% | 11.6% | 67% |
| Cost of Funds (YTD) |
0.9%
0.0pp YoY 0.0pp QoQ |
-0.8pp | 1.7% | 1.6% | 1.7% | 8% |
| Net Income ($, YTD) |
$1.8M
+1.7% YoY — QoQ |
-$793K | $2.6M | $6.6M | $40.4M | 47% |
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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.