BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Eatonton, GA
2 branches across GA
Farmers & Merchants Bank has 1 strength but faces 4 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Non-Interest-Bearing Deposit Share 13.62% above tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 43.3% in tier
- - Return on Assets 0.90% below tier average
- - Net Interest Margin 1.25% below tier average
- - Efficiency Ratio 13.89% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (GA) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$299.0M
-9.7% YoY
-4.2% QoQ
|
-$87.1M |
$386.1M
+0.5% YoY
|
$814.8M
+10.0% YoY
|
$6.2B
+9.1% YoY
|
46% |
| Total Loans ? |
$120.0M
-13.0% YoY
+2.0% QoQ
|
-$135.7M |
$255.7M
+1.1% YoY
|
$550.6M
+10.4% YoY
|
$3.2B
+10.8% YoY
|
26% |
| Total Deposits ? |
$268.3M
-12.2% YoY
-4.8% QoQ
|
-$59.7M |
$328.0M
+0.1% YoY
|
$689.3M
+8.9% YoY
|
$4.8B
+8.2% YoY
|
49% |
| Return on Assets ? |
0.37%
+29.5% YoY
-41.2% QoQ
|
-0.90% |
1.27%
+12.9% YoY
|
1.50%
+0.6% YoY
|
1.23%
+13.4% YoY
|
Bottom 9.9% in tier |
| Net Interest Margin ? |
2.68%
+13.5% YoY
+0.7% QoQ
|
-1.25% |
3.93%
+6.0% YoY
|
4.36%
+2.3% YoY
|
3.89%
+5.7% YoY
|
Bottom 5.3% in tier |
| Efficiency Ratio ? |
79.18%
-4.3% YoY
+19.0% QoQ
|
+13.89% |
65.29%
-4.5% YoY
|
62.13%
-1.5% YoY
|
66.95%
-4.1% YoY
|
16% |
| Delinquency Rate ? |
0.86%
+161.0% YoY
-20.3% QoQ
|
-0.03% |
0.89%
+18.8% YoY
|
0.81%
+32.9% YoY
|
0.95%
+18.8% YoY
|
32% |
| Loan-to-Deposit Ratio ? |
44.73%
-0.9% YoY
+7.1% QoQ
|
-31.90% |
76.64%
+0.8% YoY
|
71.10%
+2.8% YoY
|
76.70%
+0.9% YoY
|
Top 6.2% in tier |
| Non-Interest-Bearing Deposit Share ? |
35.64%
+4.2% YoY
+5.0% QoQ
|
+13.62% |
22.02%
-1.0% YoY
|
26.76%
-3.7% YoY
|
22.01%
-1.2% YoY
|
Top 9.0% in tier |
| Nonperforming Asset Ratio ? |
0.34%
+151.4% YoY
-15.2% QoQ
|
-0.29% |
0.64%
+19.7% YoY
|
0.56%
+24.4% YoY
|
0.67%
+19.3% YoY
|
47% |
| Tier 1 Capital Ratio ? |
20.10%
+16.3% YoY
-1.2% QoQ
|
+4.27% |
15.83%
+1.5% YoY
|
17.30%
-0.8% YoY
|
17.06%
+0.8% YoY
|
Top 13.2% in tier |
| Non-Interest Income / Assets ? |
0.07%
+14.6% YoY
-72.2% QoQ
|
-0.21% |
0.28%
+9.3% YoY
|
0.21%
+3.2% YoY
|
0.32%
+4.1% YoY
|
31% |
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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)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.