Farmers and Merchants Bank of South Carolina: 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 South Carolina of Holly Hill, SC against its peer group of 2672 similarly-sized US banks as of Q3 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 Ahead of the peer average, behind the median peer. | 1.26% | 1.25% | +0.01% | 26th below |
| ROAE | 8.65% | 13.24% | -4.59% | 20th bottom |
| Net Interest Margin | 3.83% | 3.95% | -0.12% | 34th below |
| Efficiency Ratio Ahead of the peer average, behind the median peer. | 60.25% | 61.22% | -0.97% | 38th below |
| PPNR / Avg Assets | 1.59% | — | — | 34th below |
| Yield on Earning Assets | 4.12% | 5.68% | -1.56% | 2nd bottom |
| Cost of Funds | 0.31% | 1.88% | -1.57% | 98th top |
| Net Interest Spread | 3.63% | — | — | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.49% | 0.94% | +1.55% | 10th bottom |
| NPA / Total Assets | 0.70% | — | — | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.14% | 0.16% | -0.02% | 10th bottom |
| ACL / Total Loans | 0.96% | — | — | 16th bottom |
| ACL / NPLs (Coverage) | 38.60% | — | — | 6th bottom |
| Texas Ratio Ahead of the peer average, behind the median peer. | 5.05% | 7.40% | -2.35% | 28th below |
| Provision / NCO | 8.70% | — | — | 18th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio | 42.74% | 17.09% | +25.65% | 95th top |
| Tier 1 Ratio | 42.74% | 17.12% | +25.62% | 95th top |
| Total Capital Ratio | 43.45% | — | — | 95th top |
| Leverage Ratio | 17.78% | 11.73% | +6.05% | 89th top |
| Equity / Assets | 13.50% | 10.96% | +2.54% | 77th top |
| TCE / Tangible Assets | 13.50% | — | — | 79th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 32.47% | 80.60% | -48.13% | 95th top |
| Core Deposit Ratio | 95.54% | 86.92% | +8.62% | 82nd top |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.22% | — | — | 92nd top |
| Loan Growth (Y/Y) | -2.92% | — | — | 13th bottom |
| Deposit Growth (Y/Y) | 15.06% | — | — | 92nd top |
See Farmers and Merchants Bank of South Carolina'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 of South Carolina, 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 of South Carolina profile, how to read a UBPR, or how this data updates.