Farmers and Merchants Bank
Lafayette, AL · Cert 13887 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Farmers&Merchants Bancshares
State charter, non-member · FDIC · 3 branches
Q2 2026
$307.6MAssets
$127.9MLoans
$276.9MDeposits
$22.0MEquity
Executive Summary
- Strongest standing: return on equity outperforms 83% of banks under $1B in assets operating in a single state (rank 127 of 746).
- Widest gap: equity / assets trails 92% of banks under $1B in assets operating in a single state (rank 687 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
1.07%
Rank 366 of 746
Net Interest Margin
3.02%
Rank 609 of 746
Efficiency Ratio
55.39%
Rank 182 of 746
Equity / Assets
7.16%
Rank 687 of 746
Non-interest income vs. expense
Unfavorable gap of $4.6M · efficiency ratio beats 76% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.07% | 0.72% | 1.06% | 1.45% | Beats 51% | 366 / 746 | | |
| Return on Equity | 14.98% | 6.74% | 10.51% | 13.63% | Beats 83% | 127 / 746 | | |
| Net Interest Margin | 3.02% | 3.17% | 3.68% | 4.16% | Beats 18% | 609 / 746 | | |
| Efficiency Ratio | 55.39% | 55.74% | 64.58% | 75.47% | Beats 76% | 182 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.98% | 0.09% | 0.42% | 1.07% | Beats 28% | 538 / 743 | | |
| Net Charge-Offs / Loans | 0.09% | 0.00% | 0.01% | 0.05% | Beats 17% | 619 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 11.56% | 11.55% | 13.75% | 17.60% | Beats 25% | 559 / 746 | | |
| Total Risk-Based Capital Ratio | 11.56% | 11.71% | 14.33% | 18.43% | Beats 23% | 574 / 746 | | |
| Equity / Assets | 7.16% | 8.90% | 10.51% | 13.06% | Beats 8% | 687 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 46.21% | 61.31% | 78.27% | 90.78% | 10th pctl | 673 / 746 | | |
| Loans / Assets | 41.58% | 53.60% | 66.97% | 76.08% | 11th pctl | 662 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |