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 Lafayette, AL 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 | 1.10% | 1.35% | -0.25% | 39th below |
| ROAE | 15.67% | 12.05% | +3.62% | 70th above |
| Net Interest Margin | 3.31% | 3.90% | -0.59% | 20th bottom |
| Efficiency Ratio | 54.23% | 63.15% | -8.92% | 71st above |
| PPNR / Avg Assets | 1.51% | 1.64% | -0.13% | 45th below |
| Yield on Earning Assets | 5.23% | 5.65% | -0.42% | 32nd below |
| Cost of Funds | 1.97% | 1.85% | +0.12% | 39th below |
| Net Interest Spread | 2.87% | 3.35% | -0.48% | 28th below |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.97% | 0.92% | +0.05% | 29th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.40% | 0.67% | -0.27% | 44th below |
| NCO / Avg Loans | 0.24% | 0.15% | +0.09% | 11th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.25% | 1.28% | -0.03% | 56th above |
| ACL / NPLs (Coverage) | 128.81% | 1645.78% | -1516.97% | 36th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.31% | 7.15% | -1.84% | 39th below |
| Provision / NCO Behind the peer average, ahead of the median peer. | 205.88% | 1189.80% | -983.92% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.56% | 12.46% | -0.90% | 59th above |
| Equity / Assets | 7.16% | 11.67% | -4.51% | 7th bottom |
| TCE / Tangible Assets | 7.16% | 11.40% | -4.24% | 8th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 46.21% | 78.66% | -32.45% | 93rd top |
| Core Deposit Ratio | 84.79% | 87.09% | -2.30% | 30th below |
| Wholesale Funding Ratio | 1.95% | 5.11% | -3.16% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 6.26% | 6.47% | -0.21% | 64th above |
| Loan Growth (Y/Y) | 4.54% | 7.64% | -3.10% | 45th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.94% | 6.02% | -1.08% | 57th above |
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.