Farmers & Merchants Bank
Piedmont, AL · Cert 1735 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 203 of 746).
- Widest gap: net charge-offs / loans trails 76% of banks under $1B in assets operating in a single state (rank 563 of 743).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.85%
Rank 483 of 746
Net Interest Margin
3.86%
Rank 304 of 746
Efficiency Ratio
76.08%
Rank 564 of 746
Equity / Assets
10.36%
Rank 388 of 746
Non-interest income vs. expense
Unfavorable gap of $8.6M · efficiency ratio beats 25% 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 | 0.85% | 0.72% | 1.06% | 1.45% | Beats 35% | 483 / 746 | | |
| Return on Equity | 8.24% | 6.74% | 10.51% | 13.63% | Beats 35% | 482 / 746 | | |
| Net Interest Margin | 3.86% | 3.17% | 3.68% | 4.16% | Beats 59% | 304 / 746 | | |
| Efficiency Ratio | 76.08% | 55.74% | 64.58% | 75.47% | Beats 25% | 564 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.78% | 0.09% | 0.42% | 1.07% | Beats 33% | 497 / 743 | | |
| Net Charge-Offs / Loans | 0.05% | 0.00% | 0.01% | 0.05% | Beats 24% | 563 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.02% | 11.55% | 13.75% | 17.60% | Beats 72% | 208 / 746 | | |
| Total Risk-Based Capital Ratio | 17.87% | 11.71% | 14.33% | 18.43% | Beats 73% | 203 / 746 | | |
| Equity / Assets | 10.36% | 8.90% | 10.51% | 13.06% | Beats 48% | 388 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 57.06% | 61.31% | 78.27% | 90.78% | 20th pctl | 599 / 746 | | |
| Loans / Assets | 49.65% | 53.60% | 66.97% | 76.08% | 21st pctl | 593 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |