Farmers & Merchants Bank
Waterloo, AL · Cert 1745 · Peer group: banks under $1B in assets operating in a single state (n=743-746)
State charter, non-member · FDIC · 2 branches
Q2 2026
$98.3MAssets
$5.3MLoans
$86.5MDeposits
$11.3MEquity
Executive Summary
- Strongest standing: tier 1 capital ratio outperforms 72% of banks under $1B in assets operating in a single state (rank 206 of 746).
- Widest gap: net interest margin trails 99% of banks under $1B in assets operating in a single state (rank 741 of 746).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.59%
Rank 611 of 746
Net Interest Margin
1.45%
Rank 741 of 746
Efficiency Ratio
69.75%
Rank 461 of 746
Equity / Assets
11.49%
Rank 281 of 746
Non-interest income vs. expense
Unfavorable gap of $1.1M · efficiency ratio beats 38% 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 | 0.59% | 0.72% | 1.06% | 1.45% | Beats 18% | 611 / 746 | | |
| Return on Equity | 5.14% | 6.74% | 10.51% | 13.63% | Beats 18% | 611 / 746 | | |
| Net Interest Margin | 1.45% | 3.17% | 3.68% | 4.16% | Beats 1% | 741 / 746 | | |
| Efficiency Ratio | 69.75% | 55.74% | 64.58% | 75.47% | Beats 38% | 461 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.33% | 0.09% | 0.42% | 1.07% | Beats 19% | 600 / 743 | | |
| Net Charge-Offs / Loans | 0.26% | 0.00% | 0.01% | 0.05% | Beats 6% | 700 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 17.03% | 11.55% | 13.75% | 17.60% | Beats 72% | 206 / 746 | | |
| Total Risk-Based Capital Ratio | 17.03% | 11.71% | 14.33% | 18.43% | Beats 70% | 227 / 746 | | |
| Equity / Assets | 11.49% | 8.90% | 10.51% | 13.06% | Beats 62% | 281 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 6.16% | 61.31% | 78.27% | 90.78% | 1st pctl | 742 / 746 | | |
| Loans / Assets | 5.42% | 53.60% | 66.97% | 76.08% | 1st pctl | 742 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |