BlastPoint's Banking Scorecard

Farmers & Merchants Bank

$100M-$1B Specialty: Commercial GA FDIC cert 9069

Eatonton, GA

2 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 -10.8% year over year ($258.6M on the books).
Delinquency rate 0.76%.
Return on assets 0.55%.
Efficiency ratio 72.89% vs a 64.48% peer average.
Loan-to-deposit ratio 54.35% 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 & Merchants Bank has 2 strengths but faces 4 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

+ Non-Interest-Bearing Deposit Share 15.29% above tier average
+ Delinquency Rate 0.16% below tier average

Key Concerns

Areas that may need attention

- Deposit Outflow: Bottom 35.7% in tier
- Net Interest Margin 1.12% below tier average
- ROA 0.77% below tier average
- Efficiency Ratio 8.41% 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 ?	$289.6M -8.4% YoY -3.1% QoQ	-$97.0M	$386.6M +1.2% YoY	$843.5M +13.2% YoY	$6.3B +7.7% YoY	44%
Total Loans ?	$140.5M +14.7% YoY +17.1% QoQ	-$117.8M	$258.3M +1.7% YoY	$581.6M +14.3% YoY	$3.2B +9.4% YoY	32%
Total Deposits ?	$258.6M -10.8% YoY -3.6% QoQ	-$68.2M	$326.7M +0.7% YoY	$711.6M +12.3% YoY	$4.9B +7.3% YoY	46%
Return on Assets ?	0.55% -8.7% YoY +47.6% QoQ	-0.77%	1.32% +10.8% YoY	1.55% +0.3% YoY	1.30% +12.1% YoY	Bottom 13.5% in tier
Net Interest Margin ?	2.86% +10.6% YoY +6.7% QoQ	-1.12%	3.99% +5.0% YoY	4.42% +1.2% YoY	3.95% +4.9% YoY	Bottom 6.8% in tier
Efficiency Ratio ?	72.89% +3.3% YoY -7.9% QoQ	+8.41%	64.48% -3.2% YoY	63.07% +1.6% YoY	70.05% +2.5% YoY	24%
Delinquency Rate ?	0.76% +328.2% YoY -11.9% QoQ	-0.16%	0.92% +15.7% YoY	0.77% +14.9% YoY	0.98% +16.3% YoY	36%
Loan-to-Deposit Ratio ?	54.35% +28.5% YoY +21.5% QoQ	-23.60%	77.95% +1.0% YoY	78.13% +10.7% YoY	79.03% +2.3% YoY	Top 12.0% in tier
Non-Interest-Bearing Deposit Share ?	37.32% +4.0% YoY +4.7% QoQ	+15.29%	22.03% -0.6% YoY	26.00% -3.3% YoY	21.98% -0.6% YoY	Top 6.8% in tier
Nonperforming Asset Ratio ?	0.37% +436.5% YoY +6.4% QoQ	-0.30%	0.67% +16.4% YoY	0.54% +11.1% YoY	0.69% +15.8% YoY	47%
Tier 1 Capital Ratio ?	18.51% -3.5% YoY -7.9% QoQ	+2.60%	15.91% +1.4% YoY	19.50% +7.6% YoY	17.09% +0.8% YoY	83%
Non-Interest Income / Assets ?	0.14% +8.9% YoY +99.9% QoQ	-0.43%	0.57% +7.6% YoY	0.44% +3.6% YoY	0.66% +5.2% YoY	30%

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	37.3% +1.4pp YoY +1.7pp QoQ	+15.2pp	22.1%	26.2%	22.2%	93%
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	1.5% -1.8pp YoY -0.5pp QoQ	-10.1pp	11.6%	9.7%	12.5%	5%
CRE	81.9% +3.4pp YoY +1.9pp QoQ	+42.4pp	39.5%	48.9%	41.4%	98%
1-4 Family	12.0% -0.5pp YoY 0.0pp QoQ	-20.7pp	32.6%	31.7%	31.3%	14%
Consumer	4.5% -1.0pp YoY -1.1pp QoQ	+0.4pp	4.1%	4.8%	5.0%	74%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
CET1 Ratio	18.5% -0.7pp YoY -1.6pp QoQ	-0.3pp	18.8%	20.9%	19.7%	72%
Leverage Ratio	11.2% +1.8pp YoY +0.3pp QoQ	-1.0pp	12.2%	14.0%	12.6%	54%
Total Capital Ratio	19.8% -0.7pp YoY -1.6pp QoQ	-0.2pp	19.9%	22.1%	20.8%	73%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Full-Time Employees	34 +5 (+17.2%) YoY +2 (+6.2%) QoQ	-25	58	98	482	33%
Assets per Employee ($)	$8.5M -21.9% YoY -8.8% QoQ	+$1000K	$7.5M	$7.5M	$8.8M	74%
Branch Count	2 0 YoY 0 QoQ	-3	4	6	18	11%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
Past Due 90+ Days	0.0% 0.0pp YoY	-0.3pp	0.3%	0.1%	0.4%	25%
Nonaccrual	0.7% +0.6pp YoY -0.1pp QoQ	-0.2pp	0.9%	0.8%	1.0%	64%
Allowance Coverage	2.00x -78.8% YoY +0.5% QoQ	-22.15x	24.15x	38.10x	20.23x	47%
Net Charge-off Rate (YTD)	-0.1% -0.1pp YoY 0.0pp QoQ	-0.3pp	0.1%	0.1%	0.2%	2%

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (GA)	National Avg	Tier Percentile
ROE	5.8% -2.6pp YoY +1.8pp QoQ	-6.4pp	12.2%	13.6%	11.6%	16%
Cost of Funds (YTD)	1.6% -0.5pp YoY 0.0pp QoQ	-0.1pp	1.7%	1.6%	1.7%	45%
Net Income ($, YTD)	$824,000 -16.3% YoY — QoQ	-$1.7M	$2.6M	$6.6M	$40.4M	20%

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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)

Deposit Outflow

decline

#192 of 535 • Bottom 35.7% in tier

Deposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.

535 of 535 Community banks match · 686 nationally

→ Stable +31 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 (3 metrics)

181

Non-Interest-Bearing Deposit Share

funding

Value: 37.32%

Peer Median: 22.03%

#181 of 2643 Top 6.8% in $100M-$1B

318

Loan-to-Deposit Ratio

liquidity

Value: 54.35%

Peer Median: 77.95%

#318 of 2643 Top 12.0% in $100M-$1B

458

Tier 1 Capital Ratio

capital

Value: 18.51%

Peer Median: 15.91%

#458 of 2643 Top 17.3% in $100M-$1B

Top Weaknesses (3 metrics)

2463

Net Interest Margin

profitability

Value: 2.86%

Peer Median: 3.99%

#2463 of 2643 Bottom 6.8% in $100M-$1B

2286

Return on Assets

profitability

Value: 0.55%

Peer Median: 1.32%

#2286 of 2643 Bottom 13.5% in $100M-$1B

2004

Efficiency Ratio

profitability

Value: 72.89%

Peer Median: 64.48%

#2004 of 2643 Bottom 24.2% in $100M-$1B