BlastPoint's Banking Scorecard
The Farmers & Merchants Bank
Designations: ✓ Community bank
Waterloo, AL
2 branches across AL
The Farmers & Merchants Bank has 1 strength but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 30.45% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.26% below tier average
- - Delinquency Rate 2.71% above tier average
- - ROA 0.18% below tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.8M
+5.4% YoY
-1.3% QoQ
|
+$36.6M |
$62.2M
-0.6% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Top 1.5% in tier |
| Total Loans ? |
$4.8M
-10.9% YoY
-8.7% QoQ
|
-$29.5M |
$34.2M
-1.4% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 5.7% in tier |
| Total Deposits ? |
$87.2M
+4.1% YoY
-0.9% QoQ
|
+$35.5M |
$51.7M
-0.7% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Top 1.1% in tier |
| Return on Assets ? |
0.65%
+65.7% YoY
+304.4% QoQ
|
-0.18% |
0.84%
-2.3% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
1.60%
+14.7% YoY
+13.5% QoQ
|
-2.26% |
3.86%
+2.8% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
Bottom 1.7% in tier |
| Efficiency Ratio ? |
57.89%
-13.3% YoY
-34.7% QoQ
|
-30.45% |
88.34%
+0.3% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
79% |
| Delinquency Rate ? |
4.08%
+394.1% QoQ
|
+2.71% |
1.37%
+33.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 7.9% in tier |
| Loan-to-Deposit Ratio ? |
5.45%
-14.4% YoY
-7.8% QoQ
|
-58.77% |
64.22%
-0.7% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
Top 3.9% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.69%
+10.2% YoY
-15.6% QoQ
|
-0.02% |
23.71%
+0.3% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
52% |
| Nonperforming Asset Ratio ? |
0.20%
+357.1% QoQ
|
-0.59% |
0.79%
+28.2% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
53% |
| Tier 1 Capital Ratio ? |
17.18%
-1.1% YoY
+2.7% QoQ
|
-9.51% |
26.68%
+2.0% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
59% |
| Non-Interest Income / Assets ? |
0.04%
+17.9% YoY
-76.0% QoQ
|
-0.62% |
0.67%
+1.9% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
33% |
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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.