Farmers & Merchants Bank
Piedmont, AL · Cert 1735 · Peer group: banks under $1B in assets operating in a single state (n=748-752) · F&M Financial Corp.
State charter, non-member · FDIC · 5 branches
Q2 2026
$308.7MAssets
$153.3MLoans
$268.6MDeposits
$32.0MEquity
Executive Summary
- Strongest standing: total risk-based capital ratio outperforms 73% of banks under $1B in assets operating in a single state (rank 204 of 752).
- Widest gap: efficiency ratio trails 76% of banks under $1B in assets operating in a single state (rank 569 of 752).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 491 of 752
Net Interest Margin
3.86%
Rank 315 of 752
Efficiency Ratio
76.08%
Rank 569 of 752
Equity / Assets
10.36%
Rank 403 of 752
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 24% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.85% | 0.72% | 1.07% | 1.45% | Beats 35% | 491 / 752 | |
| Return on Equity | 8.24% | 6.78% | 10.58% | 13.65% | Beats 36% | 485 / 752 | |
| Net Interest Margin | 3.86% | 3.18% | 3.69% | 4.17% | Beats 58% | 315 / 752 | |
| Efficiency Ratio | 76.08% | 55.75% | 64.49% | 75.47% | Beats 24% | 569 / 752 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.03% | Beats 33% | 501 / 748 | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 25% | 562 / 748 | |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 11.55% | 13.75% | 17.60% | Beats 72% | 210 / 752 | |
| Total Risk-Based Capital Ratio | 17.87% | 11.70% | 14.33% | 18.47% | Beats 73% | 204 / 752 | |
| Equity / Assets | 10.36% | 8.93% | 10.56% | 13.13% | Beats 46% | 403 / 752 | |
| Liquidity & Funding |
| Loans / Deposits | 57.06% | 62.23% | 78.64% | 91.26% | 19th pctl | 610 / 752 | |
| Loans / Assets | 49.65% | 54.61% | 67.41% | 76.47% | 19th pctl | 606 / 752 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |