BlastPoint's Banking Scorecard
The Farmers & Merchants Bank
Designations: ✓ Community bank
Waterloo, AL
2 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 536 banks in the under $100M peer group nationwide — 1 of 12 in AL.
- Deposits +1.2% year over year ($86.5M on the books).
- Delinquency rate 1.38%.
- Return on assets 0.59%.
- Efficiency ratio 69.75% vs a 119.40% peer average.
- Loan-to-deposit ratio 5.94% vs a 74.21% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
The Farmers & Merchants Bank has 2 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 49.64% below tier average
- + Delinquency Rate 0.10% below tier average
Key Concerns
Areas that may need attention
- - Net Interest Margin 2.27% below tier average
- - ROA 0.41% below tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$98.3M
+2.4% YoY
-0.5% QoQ
|
+$35.8M |
$62.4M
-0.0% YoY
|
$2.5B
+1.5% YoY
|
$6.3B
+7.7% YoY
|
Top 2.1% in tier |
| Total Loans ? |
$5.1M
-0.5% YoY
+8.1% QoQ
|
-$29.8M |
$34.9M
-0.6% YoY
|
$1.6B
+2.8% YoY
|
$3.2B
+9.4% YoY
|
Bottom 5.6% in tier |
| Total Deposits ? |
$86.5M
+1.2% YoY
-0.9% QoQ
|
+$34.8M |
$51.6M
-0.2% YoY
|
$2.1B
+0.3% YoY
|
$4.9B
+7.3% YoY
|
Top 1.9% in tier |
| Return on Assets ? |
0.59%
+35.1% YoY
-10.2% QoQ
|
-0.41% |
1.00%
+3.5% YoY
|
0.89%
-13.0% YoY
|
1.30%
+12.1% YoY
|
30% |
| Net Interest Margin ? |
1.64%
+20.1% YoY
+2.5% QoQ
|
-2.27% |
3.91%
+2.3% YoY
|
4.02%
+3.4% YoY
|
3.95%
+4.9% YoY
|
Bottom 2.6% in tier |
| Efficiency Ratio ? |
69.75%
+8.0% YoY
+20.5% QoQ
|
-49.64% |
119.40%
+49.6% YoY
|
69.53%
+4.0% YoY
|
70.05%
+2.5% YoY
|
53% |
| Delinquency Rate ? |
1.38%
-27.9% YoY
-66.2% QoQ
|
-0.10% |
1.48%
+31.8% YoY
|
1.13%
+25.5% YoY
|
0.98%
+16.3% YoY
|
28% |
| Loan-to-Deposit Ratio ? |
5.94%
-1.7% YoY
+9.1% QoQ
|
-68.27% |
74.21%
+12.6% YoY
|
67.62%
+0.9% YoY
|
79.03%
+2.3% YoY
|
Top 3.7% in tier |
| Non-Interest-Bearing Deposit Share ? |
23.09%
+9.3% YoY
-2.5% QoQ
|
-0.39% |
23.49%
+0.6% YoY
|
24.04%
+0.1% YoY
|
21.98%
-0.6% YoY
|
49% |
| Nonperforming Asset Ratio ? |
0.07%
-30.0% YoY
-63.2% QoQ
|
-0.76% |
0.84%
+23.0% YoY
|
0.74%
+25.2% YoY
|
0.69%
+15.8% YoY
|
63% |
| Tier 1 Capital Ratio ? |
17.03%
-3.1% YoY
-0.8% QoQ
|
-10.09% |
27.13%
+3.0% YoY
|
15.01%
+1.3% YoY
|
17.09%
+0.8% YoY
|
58% |
| Non-Interest Income / Assets ? |
0.04%
-55.1% YoY
-2.0% QoQ
|
-1.34% |
1.38%
+6.3% YoY
|
0.35%
-14.4% YoY
|
0.66%
+5.2% YoY
|
Bottom 13.8% in tier |
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 (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
23.1%
+2.0pp YoY -0.6pp QoQ |
-1.5pp | 24.6% | 24.0% | 22.2% | 47% |
| Brokered Deposits | n/a | n/a | 9.8% | 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 |
28.1%
+1.9pp YoY -6.6pp QoQ |
+14.7pp | 13.4% | 16.9% | 12.5% | 89% |
| CRE | n/a | n/a | 25.2% | 43.5% | 41.4% | n/a |
| 1-4 Family |
0.4%
-0.1pp YoY 0.0pp QoQ |
-34.6pp | 35.0% | 30.6% | 31.3% | 3% |
| Consumer |
25.9%
+0.3pp YoY -1.7pp QoQ |
+18.2pp | 7.7% | 5.7% | 5.0% | 96% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 38.7% | 15.1% | 19.7% | n/a |
| Leverage Ratio |
17.0%
-0.5pp YoY -0.1pp QoQ |
-0.7pp | 17.7% | 13.2% | 12.6% | 79% |
| Total Capital Ratio | n/a | n/a | 39.7% | 16.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
7
-1 (-12.5%) YoY 0 QoQ |
-5 | 12 | 304 | 482 | 20% |
| Assets per Employee ($) |
$14.0M
+17.0% YoY -0.5% QoQ |
+$7.9M | $6.2M | $6.9M | $8.8M | 99% |
| Branch Count |
2
0 YoY 0 QoQ |
+0 | 1 | 20 | 18 | 63% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.4%
-0.5pp YoY -2.7pp QoQ |
+0.4pp | 1.0% | 0.2% | 0.4% | 81% |
| Nonaccrual | n/a | n/a | 1.7% | 1.2% | 1.0% | n/a |
| Allowance Coverage |
2.63x
+44.9% YoY +185.5% QoQ |
-3.78x | 6.41x | 7.50x | 20.23x | 67% |
| Net Charge-off Rate (YTD) |
0.0%
-0.2pp YoY -0.7pp QoQ |
-0.1pp | 0.2% | 0.3% | 0.2% | 55% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
5.1%
+0.7pp YoY -0.6pp QoQ |
-1.3pp | 6.4% | 10.0% | 11.6% | 34% |
| Cost of Funds (YTD) |
1.9%
-0.3pp YoY 0.0pp QoQ |
+0.5pp | 1.4% | 1.7% | 1.7% | 79% |
| Net Income ($, YTD) |
$290,000
+40.8% YoY — QoQ |
-$28K | $317,817 | $17.2M | $40.4M | 50% |
Get Full Access to The Farmers & Merchants Bank
Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free
Check your email at - link expires in 72 hours
Want to see an example first? Preview JPMorgan Chase's scorecard →
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.