BlastPoint's Banking Scorecard
Farmers and Merchants Bank
Piedmont, AL
5 branches across AL
Farmers and Merchants Bank has 2 strengths but faces 5 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Net Interest Margin 0.25% above tier average
- + Delinquency Rate 0.27% below tier average
Key Concerns
Areas that may need attention
- - Credit Risk Growth: Bottom 15.5% in tier
- - Flatlined Growth: Bottom 27.9% in tier
- - Credit Quality Pressure: Bottom 48.6% in tier
- - ROA 0.43% below tier average
- - Efficiency Ratio 10.87% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$311.8M
+0.1% YoY
+0.4% QoQ
|
-$74.2M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
48% |
| Total Loans ? |
$144.4M
+1.6% YoY
+2.8% QoQ
|
-$111.4M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
34% |
| Total Deposits ? |
$277.6M
-1.3% YoY
+0.3% QoQ
|
-$50.4M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
50% |
| Return on Assets ? |
0.84%
+6.2% YoY
+21.3% QoQ
|
-0.43% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
28% |
| Net Interest Margin ? |
4.18%
+1.6% YoY
+0.4% QoQ
|
+0.25% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
67% |
| Efficiency Ratio ? |
76.16%
-1.1% YoY
-1.4% QoQ
|
+10.87% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
21% |
| Delinquency Rate ? |
0.61%
+138.3% YoY
-26.6% QoQ
|
-0.27% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
40% |
| Loan-to-Deposit Ratio ? |
52.01%
+3.0% YoY
+2.5% QoQ
|
-24.63% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 11.0% in tier |
| Non-Interest-Bearing Deposit Share ? |
29.44%
+0.1% YoY
+0.3% QoQ
|
+7.42% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
80% |
| Nonperforming Asset Ratio ? |
0.28%
+141.9% YoY
-24.8% QoQ
|
-0.35% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
52% |
| Tier 1 Capital Ratio ? |
17.60%
-1.1% YoY
+1.0% QoQ
|
+1.77% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
80% |
| Non-Interest Income / Assets ? |
0.13%
+5.8% YoY
-74.2% QoQ
|
-0.15% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
65% |
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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 (3)
Credit Risk Growth
riskLoan portfolio growing while delinquencies are rising. Expansion with deteriorating credit quality needs attention.
Flatlined Growth
riskAsset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.
Credit Quality Pressure
riskDelinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.