Farmers and Merchants Bank
Sylvania, GA · Cert 16440 · Peer group: banks under $1B in assets in GA (n=58-59) · Screven Bancshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$170.7MAssets
$59.5MLoans
$145.6MDeposits
$24.4MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 100% of banks under $1B in assets in GA (rank 1 of 59).
- Widest gap: net interest margin trails 59% of banks under $1B in assets in GA (rank 35 of 59).
- Overall: at or above the peer median on 8 of 9 directional measures.
Return on Assets
2.06%
Rank 6 of 59
Net Interest Margin
4.04%
Rank 35 of 59
Efficiency Ratio
40.01%
Rank 1 of 59
Equity / Assets
14.32%
Rank 15 of 59
Non-interest income vs. expense
Unfavorable gap of $2.3M · efficiency ratio beats 100% of banks under $1B in assets in GA | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 2.06% | 0.94% | 1.46% | 1.76% | Beats 90% | 6 / 59 | |
| Return on Equity | 14.42% | 7.92% | 11.60% | 15.10% | Beats 68% | 19 / 59 | |
| Net Interest Margin | 4.04% | 3.66% | 4.24% | 4.75% | Beats 41% | 35 / 59 | |
| Efficiency Ratio | 40.01% | 51.87% | 60.25% | 70.24% | Beats 100% | 1 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.21% | 0.10% | 0.36% | 0.89% | Beats 66% | 21 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 66% | 21 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 16.16% | 11.93% | 15.65% | 21.05% | Beats 51% | 29 / 59 | |
| Total Risk-Based Capital Ratio | 16.16% | 12.05% | 15.77% | 22.26% | Beats 51% | 29 / 59 | |
| Equity / Assets | 14.32% | 9.10% | 11.51% | 14.32% | Beats 75% | 15 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 40.84% | 59.62% | 72.81% | 85.44% | 7th pctl | 54 / 58 | |
| Loans / Assets | 34.84% | 49.55% | 64.39% | 73.73% | 8th pctl | 54 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |