Farmers & Merchants Bank
Eatonton, GA · Cert 9069 · Peer group: banks under $1B in assets in GA (n=58-59) · Putnam-Greene Financial Corp.
State charter, non-member · FDIC · 3 affiliate banks · 2 branches (7 in holding)
Q2 2026
$289.6MAssets
$142.6MLoans
$258.6MDeposits
$28.7MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in GA (rank 10 of 58).
- Widest gap: net interest margin trails 93% of banks under $1B in assets in GA (rank 55 of 59).
- Overall: at or above the peer median on 3 of 9 directional measures.
Return on Assets
0.57%
Rank 50 of 59
Net Interest Margin
2.77%
Rank 55 of 59
Efficiency Ratio
72.89%
Rank 47 of 59
Equity / Assets
9.91%
Rank 38 of 59
Non-interest income vs. expense
Unfavorable gap of $5.9M · efficiency ratio beats 22% 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 | 0.57% | 0.94% | 1.46% | 1.76% | Beats 15% | 50 / 59 | |
| Return on Equity | 5.74% | 7.92% | 11.60% | 15.10% | Beats 14% | 51 / 59 | |
| Net Interest Margin | 2.77% | 3.66% | 4.24% | 4.75% | Beats 7% | 55 / 59 | |
| Efficiency Ratio | 72.89% | 51.87% | 60.25% | 70.24% | Beats 22% | 47 / 59 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.74% | 0.10% | 0.36% | 0.89% | Beats 31% | 41 / 58 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.02% | 0.05% | Beats 100% | 10 / 58 | |
| Capital |
| Tier 1 Capital Ratio | 18.51% | 11.93% | 15.65% | 21.05% | Beats 63% | 22 / 59 | |
| Total Risk-Based Capital Ratio | 19.76% | 12.05% | 15.77% | 22.26% | Beats 63% | 22 / 59 | |
| Equity / Assets | 9.91% | 9.10% | 11.51% | 14.32% | Beats 36% | 38 / 59 | |
| Liquidity & Funding |
| Loans / Deposits | 55.17% | 59.62% | 72.81% | 85.44% | 17th pctl | 48 / 58 | |
| Loans / Assets | 49.25% | 49.55% | 64.39% | 73.73% | 22nd pctl | 46 / 59 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |