BlastPoint's Banking Scorecard
Merchants & Farmers Bank of Greene County, Alabama
Eutaw, AL
2 branches across AL
Merchants & Farmers Bank of Greene County, Alabama faces 5 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Margin Compression: Bottom 44.3% in tier
- - Delinquency Rate 3.69% above tier average
- - Nonperforming Asset Ratio 2.08% above tier average
- - Net Interest Margin 0.41% below tier average
- - Efficiency Ratio 8.32% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (AL) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.5M
+10.7% YoY
+6.3% QoQ
|
-$249.6M |
$386.1M
+0.5% YoY
|
$2.5B
+0.2% YoY
|
$6.2B
+9.1% YoY
|
Bottom 10.1% in tier |
| Total Loans ? |
$81.1M
+13.6% YoY
+6.6% QoQ
|
-$174.7M |
$255.7M
+1.1% YoY
|
$1.5B
+2.4% YoY
|
$3.2B
+10.8% YoY
|
Bottom 11.7% in tier |
| Total Deposits ? |
$121.3M
+10.2% YoY
+7.0% QoQ
|
-$206.7M |
$328.0M
+0.1% YoY
|
$2.1B
-0.2% YoY
|
$4.8B
+8.2% YoY
|
Bottom 12.2% in tier |
| Return on Assets ? |
0.98%
-14.6% YoY
-8.6% QoQ
|
-0.29% |
1.27%
+12.9% YoY
|
0.78%
-19.5% YoY
|
1.23%
+13.4% YoY
|
36% |
| Net Interest Margin ? |
3.52%
-3.2% YoY
-8.0% QoQ
|
-0.41% |
3.93%
+6.0% YoY
|
3.99%
+5.2% YoY
|
3.89%
+5.7% YoY
|
31% |
| Efficiency Ratio ? |
73.61%
+6.6% YoY
+9.5% QoQ
|
+8.32% |
65.29%
-4.5% YoY
|
72.13%
+5.1% YoY
|
66.95%
-4.1% YoY
|
25% |
| Delinquency Rate ? |
4.57%
+19.0% YoY
+22.9% QoQ
|
+3.69% |
0.89%
+18.8% YoY
|
1.09%
+24.8% YoY
|
0.95%
+18.8% YoY
|
Bottom 2.5% in tier |
| Loan-to-Deposit Ratio ? |
66.84%
+3.1% YoY
-0.4% QoQ
|
-9.80% |
76.64%
+0.8% YoY
|
67.08%
+2.0% YoY
|
76.70%
+0.9% YoY
|
72% |
| Non-Interest-Bearing Deposit Share ? |
22.33%
-24.2% YoY
-19.7% QoQ
|
+0.31% |
22.02%
-1.0% YoY
|
23.89%
+0.0% YoY
|
22.01%
-1.2% YoY
|
56% |
| Nonperforming Asset Ratio ? |
2.72%
+22.2% YoY
+23.3% QoQ
|
+2.08% |
0.64%
+19.7% YoY
|
0.71%
+24.8% YoY
|
0.67%
+19.3% YoY
|
Bottom 3.8% in tier |
| Tier 1 Capital Ratio ? |
11.79%
+0.9% YoY
-3.8% QoQ
|
-4.04% |
15.83%
+1.5% YoY
|
16.96%
+13.8% YoY
|
17.06%
+0.8% YoY
|
33% |
| Non-Interest Income / Assets ? |
0.09%
-18.2% YoY
-83.2% QoQ
|
-0.19% |
0.28%
+9.3% YoY
|
0.16%
-16.3% YoY
|
0.32%
+4.1% YoY
|
47% |
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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 (1)
Margin Compression
declineProfitability above 0.75% ROA but margins eroding by at least 0.10pp YoY. Something changed - rising costs or falling yields need addressing.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.