BlastPoint's Banking Scorecard

Merchants & Farmers Bank of Greene County, Alabama

$100M-$1B Specialty: Commercial AL FDIC cert 855

Eutaw, AL

3 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 +10.1% year over year ($120.4M on the books).
Delinquency rate 5.47%.
Return on assets 0.77%.
Efficiency ratio 77.76% vs a 64.48% peer average.
Loan-to-deposit ratio 68.14% 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 63 in AL

View $100M-$1B leaderboard (AL) →

Merchants & Farmers Bank of Greene County, Alabama faces 5 concerns requiring attention

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

No key strengths identified

Key Concerns

Areas that may need attention

- Margin Compression: Bottom 4.9% in tier
- Delinquency Rate 4.56% above tier average
- Nonperforming Asset Ratio 2.64% above tier average
- Net Interest Margin 0.54% below tier average
- Efficiency Ratio 13.28% above tier average

Get updates when Merchants & Farmers Bank of Greene County, Alabama releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Total Assets ?	$135.9M +10.0% YoY -0.5% QoQ	-$250.7M	$386.6M +1.2% YoY	$2.5B +1.5% YoY	$6.3B +7.7% YoY	Bottom 9.8% in tier
Total Loans ?	$82.0M +13.6% YoY +1.2% QoQ	-$176.3M	$258.3M +1.7% YoY	$1.6B +2.8% YoY	$3.2B +9.4% YoY	Bottom 11.5% in tier
Total Deposits ?	$120.4M +10.1% YoY -0.7% QoQ	-$206.3M	$326.7M +0.7% YoY	$2.1B +0.3% YoY	$4.9B +7.3% YoY	Bottom 12.0% in tier
Return on Assets ?	0.77% -47.9% YoY -20.8% QoQ	-0.55%	1.32% +10.8% YoY	0.89% -13.0% YoY	1.30% +12.1% YoY	22%
Net Interest Margin ?	3.45% -9.3% YoY -2.0% QoQ	-0.54%	3.99% +5.0% YoY	4.02% +3.4% YoY	3.95% +4.9% YoY	25%
Efficiency Ratio ?	77.76% +25.0% YoY +5.6% QoQ	+13.28%	64.48% -3.2% YoY	69.53% +4.0% YoY	70.05% +2.5% YoY	17%
Delinquency Rate ?	5.47% +51.1% YoY +19.7% QoQ	+4.56%	0.92% +15.7% YoY	1.13% +25.5% YoY	0.98% +16.3% YoY	Bottom 2.1% in tier
Loan-to-Deposit Ratio ?	68.14% +3.2% YoY +1.9% QoQ	-9.81%	77.95% +1.0% YoY	67.62% +0.9% YoY	79.03% +2.3% YoY	72%
Non-Interest-Bearing Deposit Share ?	22.52% -19.0% YoY +0.9% QoQ	+0.49%	22.03% -0.6% YoY	24.04% +0.1% YoY	21.98% -0.6% YoY	57%
Nonperforming Asset Ratio ?	3.31% +56.0% YoY +21.7% QoQ	+2.64%	0.67% +16.4% YoY	0.74% +25.2% YoY	0.69% +15.8% YoY	Bottom 2.7% in tier
Tier 1 Capital Ratio ?	11.69% -4.5% YoY -0.9% QoQ	-4.22%	15.91% +1.4% YoY	15.01% +1.3% YoY	17.09% +0.8% YoY	32%
Non-Interest Income / Assets ?	0.21% -11.9% YoY +130.6% QoQ	-0.35%	0.57% +7.6% YoY	0.35% -14.4% YoY	0.66% +5.2% YoY	54%

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	22.5% -5.3pp YoY +0.2pp QoQ	+0.4pp	22.1%	24.0%	22.2%	56%
Brokered Deposits	9.1% +0.5pp YoY +0.1pp QoQ	+1.2pp	7.9%	5.5%	8.5%	72%

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
C&I	12.9% -5.1pp YoY -1.6pp QoQ	+1.4pp	11.6%	16.9%	12.5%	68%
CRE	31.5% +0.6pp YoY 0.0pp QoQ	-8.0pp	39.5%	43.5%	41.4%	37%
1-4 Family	29.4% +0.5pp YoY +0.6pp QoQ	-3.2pp	32.6%	30.6%	31.3%	50%
Consumer	12.4% -2.4pp YoY -0.2pp QoQ	+8.3pp	4.1%	5.7%	5.0%	94%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
CET1 Ratio	n/a	n/a	18.8%	15.1%	19.7%	n/a
Leverage Ratio	11.7% -0.6pp YoY -0.1pp QoQ	-0.5pp	12.2%	13.2%	12.6%	61%
Total Capital Ratio	n/a	n/a	19.9%	16.2%	20.8%	n/a

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
Full-Time Employees	25 +2 (+8.7%) YoY 0 QoQ	-34	58	304	482	19%
Assets per Employee ($)	$5.4M +1.2% YoY -0.5% QoQ	-$2.1M	$7.5M	$6.9M	$8.8M	21%
Branch Count	3 +1 (+50.0%) YoY +1 (+50.0%) QoQ	-2	4	20	18	26%

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	5.5% +1.9pp YoY +0.9pp QoQ	+4.5pp	0.9%	1.2%	1.0%	98%
Allowance Coverage	0.22x -44.8% YoY -25.3% QoQ	-23.94x	24.15x	7.50x	20.23x	2%
Net Charge-off Rate (YTD)	0.1% 0.0pp YoY +0.4pp QoQ	0.0pp	0.1%	0.3%	0.2%	78%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (AL)	National Avg	Tier Percentile
ROE	7.1% -7.6pp YoY -1.9pp QoQ	-5.1pp	12.2%	10.0%	11.6%	22%
Cost of Funds (YTD)	2.1% +0.3pp YoY 0.0pp QoQ	+0.4pp	1.7%	1.7%	1.7%	78%
Net Income ($, YTD)	$516,000 -44.0% YoY — QoQ	-$2.0M	$2.6M	$17.2M	$40.4M	11%

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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 (1)

Margin Compression

decline

#16 of 307 • Bottom 4.9% in tier

Profitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.

Why this signature

Return on Assets: 0.77%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

307 of 307 Community banks match · 413 nationally

→ Stable +8 banks QoQ | QoQ rank improving

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 (0 metrics)

No strength rankings available

Top Weaknesses (7 metrics)

2578

Delinquency Rate

credit_quality

Value: 5.47%

Peer Median: 0.92%

#2578 of 2633 Bottom 2.1% in $100M-$1B

2572

Nonperforming Asset Ratio

credit_quality

Value: 3.31%

Peer Median: 0.67%

#2572 of 2643 Bottom 2.7% in $100M-$1B

2384

Total Assets

size

Value: $135.87M

Peer Median: $386.57M

#2384 of 2643 Bottom 9.8% in $100M-$1B

2339

Total Loans

size

Value: $82.04M

Peer Median: $258.35M

#2339 of 2643 Bottom 11.5% in $100M-$1B

2328

Total Deposits

size

Value: $120.39M

Peer Median: $326.73M

#2328 of 2643 Bottom 12.0% in $100M-$1B

2207

Efficiency Ratio

profitability

Value: 77.76%

Peer Median: 64.48%

#2207 of 2643 Bottom 16.5% in $100M-$1B

2067

Return on Assets

profitability

Value: 0.77%

Peer Median: 1.32%

#2067 of 2643 Bottom 21.8% in $100M-$1B