BlastPoint's Banking Scorecard

Farmers and Merchants Bank

$100M-$1B Specialty: Commercial GA FDIC cert 5716

Designations: ✓ CDFI-certified

Lakeland, GA

6 branches across GA

2664 banks in the $100M-$1B peer group nationally 99 in GA

Farmers and Merchants Bank has 3 strengths but faces 2 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

+ ROA 0.32% above tier average
+ Net Interest Margin 0.76% above tier average
+ Efficiency Ratio 15.35% below tier average

Key Concerns

Areas that may need attention

- Nonperforming Asset Ratio 1.28% above tier average
- Delinquency Rate 1.36% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$800.6M +7.4% YoY +4.9% QoQ	+$414.5M	$386.1M +0.5% YoY	$814.8M +10.0% YoY	$6.2B +9.1% YoY	Top 8.1% in tier
Total Loans ?	$604.9M +11.2% YoY +1.7% QoQ	+$349.2M	$255.7M +1.1% YoY	$550.6M +10.4% YoY	$3.2B +10.8% YoY	Top 5.9% in tier
Total Deposits ?	$713.9M +4.7% YoY +6.1% QoQ	+$386.0M	$328.0M +0.1% YoY	$689.3M +8.9% YoY	$4.8B +8.2% YoY	Top 6.0% in tier
Return on Assets ?	1.59% +8.8% YoY +2.9% QoQ	+0.32%	1.27% +12.9% YoY	1.50% +0.6% YoY	1.23% +13.4% YoY	72%
Net Interest Margin ?	4.69% -0.8% YoY -1.6% QoQ	+0.76%	3.93% +6.0% YoY	4.36% +2.3% YoY	3.89% +5.7% YoY	Top 13.3% in tier
Efficiency Ratio ?	49.94% -9.2% YoY -7.3% QoQ	-15.35%	65.29% -4.5% YoY	62.13% -1.5% YoY	66.95% -4.1% YoY	84%
Delinquency Rate ?	2.24% -22.2% YoY +21.6% QoQ	+1.36%	0.89% +18.8% YoY	0.81% +32.9% YoY	0.95% +18.8% YoY	Bottom 10.2% in tier
Loan-to-Deposit Ratio ?	84.73% +6.2% YoY -4.1% QoQ	+8.09%	76.64% +0.8% YoY	71.10% +2.8% YoY	76.70% +0.9% YoY	35%
Non-Interest-Bearing Deposit Share ?	15.04% -12.7% YoY -3.7% QoQ	-6.98%	22.02% -1.0% YoY	26.76% -3.7% YoY	22.01% -1.2% YoY	25%
Nonperforming Asset Ratio ?	1.92% -18.5% YoY +17.9% QoQ	+1.28%	0.64% +19.7% YoY	0.56% +24.4% YoY	0.67% +19.3% YoY	Bottom 7.5% in tier
Tier 1 Capital Ratio ?	9.92% +7.1% YoY -0.5% QoQ	-5.91%	15.83% +1.5% YoY	17.30% -0.8% YoY	17.06% +0.8% YoY	Bottom 8.9% in tier
Non-Interest Income / Assets ?	0.06% -12.9% YoY -86.6% QoQ	-0.22%	0.28% +9.3% YoY	0.21% +3.2% YoY	0.32% +4.1% YoY	27%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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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 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 (0)

No matched concern signatures this quarter

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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (5 metrics)

157

Total Loans

size

Value: $604.90M

Peer Median: $255.72M

#157 of 2664 Top 5.9% in $100M-$1B

161

Total Deposits

size

Value: $713.94M

Peer Median: $327.97M

#161 of 2664 Top 6.0% in $100M-$1B

216

Total Assets

size

Value: $800.62M

Peer Median: $386.08M

#216 of 2664 Top 8.1% in $100M-$1B

354

Net Interest Margin

profitability

Value: 4.69%

Peer Median: 3.93%

#354 of 2664 Top 13.3% in $100M-$1B

423

Efficiency Ratio

profitability

Value: 49.94%

Peer Median: 65.29%

#423 of 2664 Top 15.8% in $100M-$1B

Top Weaknesses (4 metrics)

2464

Nonperforming Asset Ratio

credit_quality

Value: 1.92%

Peer Median: 0.64%

#2464 of 2664 Bottom 7.5% in $100M-$1B

2427

Tier 1 Capital Ratio

capital

Value: 9.92%

Peer Median: 15.83%

#2427 of 2664 Bottom 8.9% in $100M-$1B

2384

Delinquency Rate

credit_quality

Value: 2.24%

Peer Median: 0.89%

#2384 of 2654 Bottom 10.2% in $100M-$1B

2012

Non-Interest-Bearing Deposit Share

funding

Value: 15.04%

Peer Median: 22.02%

#2012 of 2664 Bottom 24.5% in $100M-$1B