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Farmers and Merchants Bank

$100M-$1B Specialty: Commercial AL FDIC cert 1735

Piedmont, AL

5 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 -5.5% year over year ($268.6M on the books).
  • Delinquency rate 0.79%.
  • Return on assets 0.85%.
  • Efficiency ratio 76.08% vs a 64.48% peer average.
  • Loan-to-deposit ratio 56.33% 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 2 strengths but faces 5 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

  • + Net Interest Margin 0.22% above tier average
  • + Delinquency Rate 0.13% below tier average

Key Concerns

Areas that may need attention

  • - Flatlined Growth: Bottom 10.0% in tier
  • - Deposit Outflow: Bottom 35.5% in tier
  • - Credit Risk Growth: Bottom 49.9% in tier
  • - ROA 0.47% below tier average
  • - Efficiency Ratio 11.60% above 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 ? $308.7M
-1.9% YoY -1.0% QoQ
-$77.8M $386.6M
+1.2% YoY
$2.5B
+1.5% YoY
$6.3B
+7.7% YoY
48%
Total Loans ? $151.3M
+8.3% YoY +4.8% QoQ
-$107.0M $258.3M
+1.7% YoY
$1.6B
+2.8% YoY
$3.2B
+9.4% YoY
36%
Total Deposits ? $268.6M
-5.5% YoY -3.2% QoQ
-$58.1M $326.7M
+0.7% YoY
$2.1B
+0.3% YoY
$4.9B
+7.3% YoY
49%
Return on Assets ? 0.85%
+10.6% YoY +0.9% QoQ
-0.47% 1.32%
+10.8% YoY
0.89%
-13.0% YoY
1.30%
+12.1% YoY
26%
Net Interest Margin ? 4.21%
+1.9% YoY +0.8% QoQ
+0.22% 3.99%
+5.0% YoY
4.02%
+3.4% YoY
3.95%
+4.9% YoY
65%
Efficiency Ratio ? 76.08%
-0.7% YoY -0.1% QoQ
+11.60% 64.48%
-3.2% YoY
69.53%
+4.0% YoY
70.05%
+2.5% YoY
19%
Delinquency Rate ? 0.79%
+73.4% YoY +29.5% QoQ
-0.13% 0.92%
+15.7% YoY
1.13%
+25.5% YoY
0.98%
+16.3% YoY
34%
Loan-to-Deposit Ratio ? 56.33%
+14.5% YoY +8.3% QoQ
-21.62% 77.95%
+1.0% YoY
67.62%
+0.9% YoY
79.03%
+2.3% YoY
Top 13.6% in tier
Non-Interest-Bearing Deposit Share ? 30.83%
+3.7% YoY +4.7% QoQ
+8.80% 22.03%
-0.6% YoY
24.04%
+0.1% YoY
21.98%
-0.6% YoY
84%
Nonperforming Asset Ratio ? 0.39%
+91.4% YoY +37.1% QoQ
-0.28% 0.67%
+16.4% YoY
0.74%
+25.2% YoY
0.69%
+15.8% YoY
45%
Tier 1 Capital Ratio ? 17.02%
-0.3% YoY -3.3% QoQ
+1.11% 15.91%
+1.4% YoY
15.01%
+1.3% YoY
17.09%
+0.8% YoY
77%
Non-Interest Income / Assets ? 0.29%
+23.3% YoY +129.2% QoQ
-0.28% 0.57%
+7.6% YoY
0.35%
-14.4% YoY
0.66%
+5.2% YoY
70%

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 30.8%
+1.1pp YoY
+1.4pp QoQ
 +8.7pp 22.1% 24.0% 22.2% 84%
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 14.9%
-2.6pp YoY
-0.8pp QoQ
 +3.4pp 11.6% 16.9% 12.5% 76%
CRE 47.7%
-0.3pp YoY
+1.1pp QoQ
 +8.2pp 39.5% 43.5% 41.4% 66%
1-4 Family 31.9%
+0.9pp YoY
-0.5pp QoQ
 -0.7pp 32.6% 30.6% 31.3% 56%
Consumer 3.3%
-0.3pp YoY
+0.1pp QoQ
 -0.9pp 4.1% 5.7% 5.0% 63%

Capital

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
CET1 Ratio 17.0%
-0.1pp YoY
-0.6pp QoQ
 -1.8pp 18.8% 15.1% 19.7% 64%
Leverage Ratio 12.7%
+0.6pp YoY
+0.3pp QoQ
 +0.6pp 12.2% 13.2% 12.6% 72%
Total Capital Ratio 17.9%
-0.1pp YoY
-0.7pp QoQ
 -2.1pp 19.9% 16.2% 20.8% 62%

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Full-Time Employees 54
0 YoY
0 QoQ
 -5 58 304 482 57%
Assets per Employee ($) $5.7M
-1.9% YoY
-1.0% QoQ
 -$1.8M $7.5M $6.9M $8.8M 27%
Branch Count 5
0 YoY
0 QoQ
 0 4 20 18 55%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
Past Due 90+ Days n/a n/a 0.3% 0.2% 0.4% n/a
Nonaccrual 0.8%
+0.8pp YoY
+0.2pp QoQ
 -0.1pp 0.9% 1.2% 1.0% 66%
Allowance Coverage 1.63x
-48.2% YoY
-29.0% QoQ
 -22.53x 24.15x 7.50x 20.23x 42%
Net Charge-off Rate (YTD) 0.1%
0.0pp YoY
+0.1pp QoQ
 0.0pp 0.1% 0.3% 0.2% 77%

Profitability

Metric Current vs Tier Tier Avg State Avg (AL) National Avg Tier Percentile
ROE 8.2%
-0.3pp YoY
+0.1pp QoQ
 -4.0pp 12.2% 10.0% 11.6% 27%
Cost of Funds (YTD) 0.9%
-0.2pp YoY
0.0pp QoQ
 -0.8pp 1.7% 1.7% 1.7% 8%
Net Income ($, YTD) $1.3M
+11.8% YoY
— QoQ
 -$1.2M $2.6M $17.2M $40.4M 36%

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 (3)

Flatlined Growth

risk
#54 of 529 • Bottom 10.0% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature
Return on Assets: 0.85%
(Tier: 1.32%, National: 1.30%)
worse than tier avg
529 of 529 Community banks match · 719 nationally
→ Stable +34 banks QoQ | QoQ rank improving

Deposit Outflow

decline
#191 of 535 • Bottom 35.5% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally
→ Stable +31 banks QoQ | QoQ rank improving

Credit Risk Growth

risk
#468 of 936 • Bottom 49.9% 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 declining

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 (3 metrics)

361
Loan-to-Deposit Ratio
liquidity
Value: 56.33%
Peer Median: 77.95%
#361 of 2643 Top 13.6% in $100M-$1B
426
Non-Interest-Bearing Deposit Share
funding
Value: 30.83%
Peer Median: 22.03%
#426 of 2643 Top 16.1% in $100M-$1B
607
Tier 1 Capital Ratio
capital
Value: 17.02%
Peer Median: 15.91%
#607 of 2643 Top 22.9% in $100M-$1B

Top Weaknesses (1 metrics)

2149
Efficiency Ratio
profitability
Value: 76.08%
Peer Median: 64.48%
#2149 of 2643 Bottom 18.7% in $100M-$1B
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