Farmers and Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers and Merchants Bank of Granite Quarry, NC against its peer group of 2603 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 2.61% | 1.34% | +1.27% | 95th top |
| ROAE | 17.53% | 13.32% | +4.21% | 78th top |
| Net Interest Margin | 5.08% | 3.93% | +1.15% | 93rd top |
| Efficiency Ratio | 47.55% | 61.14% | -13.59% | 85th top |
| PPNR / Avg Assets | 3.11% | 1.68% | +1.43% | 96th top |
| Yield on Earning Assets | 5.78% | 5.67% | +0.11% | 58th above |
| Cost of Funds | 0.80% | 1.88% | -1.08% | 95th top |
| Net Interest Spread | 4.59% | 3.32% | +1.27% | 95th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.76% | 0.94% | -0.18% | 35th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.41% | 0.70% | -0.29% | 43rd below |
| NCO / Avg Loans | -0.43% | 0.16% | -0.59% | 99th top |
| ACL / Total Loans | 1.91% | 1.28% | +0.63% | 92nd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 252.92% | 1547.49% | -1294.57% | 55th above |
| Texas Ratio | 3.11% | 7.34% | -4.23% | 53rd above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 25.46% | 19.47% | +5.99% | 89th top |
| Tier 1 Ratio | 25.46% | 19.51% | +5.95% | 89th top |
| Total Capital Ratio | 26.72% | 20.59% | +6.13% | 89th top |
| Leverage Ratio | 15.25% | 12.14% | +3.11% | 88th top |
| Equity / Assets | 14.96% | 11.36% | +3.60% | 88th top |
| TCE / Tangible Assets | 14.95% | 11.08% | +3.87% | 89th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 64.21% | 80.68% | -16.47% | 78th top |
| Core Deposit Ratio | 96.55% | 86.84% | +9.71% | 91st top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 7.27% | 6.84% | +0.43% | 71st above |
| Loan Growth (Y/Y) | 2.14% | 7.92% | -5.78% | 32nd below |
| Deposit Growth (Y/Y) | 6.60% | 6.29% | +0.31% | 68th above |
See Farmers and Merchants Bank's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers and Merchants Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full Farmers and Merchants Bank profile, how to read a UBPR, or how this data updates.