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 Sylvania, GA against its peer group of 2672 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 | 2.16% | 1.34% | +0.82% | 89th top |
| ROAE | 15.20% | 13.31% | +1.89% | 67th above |
| Net Interest Margin | 4.23% | 3.93% | +0.30% | 66th above |
| Efficiency Ratio | 38.27% | 61.14% | -22.87% | 96th top |
| PPNR / Avg Assets | 2.78% | 1.68% | +1.10% | 93rd top |
| Yield on Earning Assets | 5.17% | 5.67% | -0.50% | 30th below |
| Cost of Funds | 1.07% | 1.88% | -0.81% | 89th top |
| Net Interest Spread | 3.73% | 3.32% | +0.41% | 72nd above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.21% | 0.94% | -0.73% | 63rd above |
| NPA / Total Assets | 0.07% | 0.70% | -0.63% | 74th above |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.16% | -0.15% | 43rd below |
| ACL / Total Loans | 1.94% | 1.28% | +0.66% | 93rd top |
| ACL / NPLs (Coverage) Behind the peer average, ahead of the median peer. | 929.84% | 1538.78% | -608.94% | 82nd top |
| Texas Ratio | 0.48% | 7.33% | -6.85% | 80th top |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 16.16% | 12.14% | +4.02% | 90th top |
| Equity / Assets | 14.32% | 11.37% | +2.95% | 86th top |
| TCE / Tangible Assets | 14.32% | 11.09% | +3.23% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 40.84% | 80.64% | -39.80% | 95th top |
| Core Deposit Ratio | 92.22% | 86.86% | +5.36% | 69th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 1.08% | 6.85% | -5.77% | 26th below |
| Loan Growth (Y/Y) | 1.44% | 7.90% | -6.46% | 28th below |
| Deposit Growth (Y/Y) | -0.60% | 6.29% | -6.89% | 20th bottom |
See Farmers and Merchants Bank's peers by name
The 2672 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.