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

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 96 in GA.
Deposits +12.8% year over year ($784.7M on the books).
Delinquency rate 1.88%.
Return on assets 1.63%.
Efficiency ratio 48.07% vs a 64.48% peer average.
Loan-to-deposit ratio 78.14% 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 96 in GA

View $100M-$1B leaderboard (GA) →

Farmers and Merchants Bank has 3 strengths but faces 1 concern

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 0.31% above tier average
+ Net Interest Margin 0.81% above tier average
+ Efficiency Ratio 16.40% below tier average

Key Concerns

Areas that may need attention

- Delinquency Rate 0.96% above tier average

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Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Total Assets ?	$862.0M +13.3% YoY +7.7% QoQ	+$475.4M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	Top 5.2% in tier
Total Loans ?	$613.1M +7.4% YoY +1.4% QoQ	+$354.8M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	Top 5.4% in tier
Total Deposits ?	$784.7M +12.8% YoY +9.9% QoQ	+$458.0M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	Top 2.9% in tier
Return on Assets ?	1.63% +10.3% YoY +2.5% QoQ	+0.31%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	73%
Net Interest Margin ?	4.79% -0.4% YoY +2.2% QoQ	+0.81%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Top 12.1% in tier
Efficiency Ratio ?	48.07% -12.4% YoY -3.7% QoQ	-16.40%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	Top 13.1% in tier
Delinquency Rate ?	1.88% -32.7% YoY -16.1% QoQ	+0.96%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	Bottom 13.9% in tier
Loan-to-Deposit Ratio ?	78.14% -4.8% YoY -7.8% QoQ	+0.18%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	53%
Non-Interest-Bearing Deposit Share ?	15.57% -8.4% YoY +3.5% QoQ	-6.46%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	27%
Nonperforming Asset Ratio ?	1.54% -30.2% YoY -19.5% QoQ	+0.87%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	Bottom 11.5% in tier
Tier 1 Capital Ratio ?	9.74% +2.8% YoY -1.8% QoQ	-6.17%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	Bottom 7.6% in tier
Non-Interest Income / Assets ?	0.12% +3.6% YoY +86.0% QoQ	-0.45%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	24%

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 (GA)	National Avg	Tier Percentile
Noninterest-Bearing	15.6% -1.4pp YoY +0.5pp QoQ	-6.6pp	22.1%	26.2%	22.2%	26%
Brokered Deposits	n/a	n/a	7.9%	7.5%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
C&I	11.9% -4.6pp YoY +0.4pp QoQ	+0.4pp	11.6%	9.7%	12.5%	63%
CRE	52.3% +4.6pp YoY -0.6pp QoQ	+12.7pp	39.5%	48.9%	41.4%	74%
1-4 Family	21.9% +3.0pp YoY +0.9pp QoQ	-10.7pp	32.6%	31.7%	31.3%	34%
Consumer	4.7% -0.5pp YoY -0.1pp QoQ	+0.6pp	4.1%	4.8%	5.0%	76%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	20.9%	19.7%	n/a
Leverage Ratio	9.7% +0.3pp YoY -0.2pp QoQ	-2.4pp	12.2%	14.0%	12.6%	26%
Total Capital Ratio	n/a	n/a	19.9%	22.1%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	126 -3 (-2.3%) YoY -4 (-3.1%) QoQ	+67	58	98	482	94%
Assets per Employee ($)	$6.8M +16.0% YoY +11.1% QoQ	-$677K	$7.5M	$7.5M	$8.8M	49%
Branch Count	6 0 YoY 0 QoQ	+1	4	6	18	66%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.4% +0.3pp YoY -0.2pp QoQ	+0.1pp	0.3%	0.1%	0.4%	79%
Nonaccrual	1.5% -1.3pp YoY -0.2pp QoQ	+0.5pp	0.9%	0.8%	1.0%	82%
Allowance Coverage	0.67x +57.1% YoY +26.7% QoQ	-23.49x	24.15x	38.10x	20.23x	16%
Net Charge-off Rate (YTD)	0.2% 0.0pp YoY 0.0pp QoQ	+0.1pp	0.1%	0.1%	0.2%	86%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	18.6% -0.1pp YoY +0.6pp QoQ	+6.4pp	12.2%	13.6%	11.6%	84%
Cost of Funds (YTD)	2.0% -0.2pp YoY 0.0pp QoQ	+0.3pp	1.7%	1.6%	1.7%	72%
Net Income ($, YTD)	$6.6M +19.4% YoY — QoQ	+$4.0M	$2.6M	$6.6M	$40.4M	94%

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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 2643 peers in $100M-$1B

Top Strengths (5 metrics)

Total Deposits

size

Value: $784.69M

Peer Median: $326.73M

#77 of 2643 Top 2.9% in $100M-$1B

139

Total Assets

size

Value: $861.96M

Peer Median: $386.57M

#139 of 2643 Top 5.2% in $100M-$1B

144

Total Loans

size

Value: $613.13M

Peer Median: $258.35M

#144 of 2643 Top 5.4% in $100M-$1B

322

Net Interest Margin

profitability

Value: 4.79%

Peer Median: 3.99%

#322 of 2643 Top 12.1% in $100M-$1B

348

Efficiency Ratio

profitability

Value: 48.07%

Peer Median: 64.48%

#348 of 2643 Top 13.1% in $100M-$1B

Top Weaknesses (4 metrics)

2444

Tier 1 Capital Ratio

capital

Value: 9.74%

Peer Median: 15.91%

#2444 of 2643 Bottom 7.6% in $100M-$1B

2340

Nonperforming Asset Ratio

credit_quality

Value: 1.54%

Peer Median: 0.67%

#2340 of 2643 Bottom 11.5% in $100M-$1B

2267

Delinquency Rate

credit_quality

Value: 1.88%

Peer Median: 0.92%

#2267 of 2633 Bottom 13.9% in $100M-$1B

2016

Non-Interest Income / Assets

revenue_mix

Value: 0.12%

Peer Median: 0.57%

#2016 of 2643 Bottom 23.8% in $100M-$1B