Farmers & Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Bank of Waterloo, AL against its peer group of 536 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 | 0.48% | 3.14% | -2.66% | 26th below |
| ROAE | 4.58% | 10.43% | -5.85% | 32nd below |
| Net Interest Margin | 1.57% | 3.94% | -2.37% | 2nd bottom |
| Efficiency Ratio | 80.22% | 76.29% | +3.93% | 31st below |
| PPNR / Avg Assets | 0.26% | 1.40% | -1.14% | 15th bottom |
| Yield on Earning Assets | 3.31% | 5.36% | -2.05% | 4th bottom |
| Cost of Funds | 2.12% | 1.70% | +0.42% | 23rd bottom |
| Net Interest Spread | 0.62% | 3.32% | -2.70% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 0.00% | 1.34% | -1.34% | 83rd top |
| NPA / Total Assets | 0.00% | 0.71% | -0.71% | 81st top |
| NCO / Avg Loans | -0.62% | 0.11% | -0.73% | 99th top |
| ACL / Total Loans | 3.51% | 1.48% | +2.03% | 96th top |
| Texas Ratio | 0.62% | 8.27% | -7.65% | 59th above |
| Provision / NCO | 0.00% | 316.47% | -316.47% | 22nd bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 17.03% | 17.61% | -0.58% | 74th above |
| Equity / Assets | 11.49% | 16.44% | -4.95% | 41st below |
| TCE / Tangible Assets | 11.49% | 16.19% | -4.70% | 43rd below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 6.16% | 73.01% | -66.85% | 96th top |
| Core Deposit Ratio | 79.19% | 88.24% | -9.05% | 11th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.41% | 4.31% | -1.90% | 48th below |
| Loan Growth (Y/Y) | -0.39% | 6.74% | -7.13% | 39th below |
| Deposit Growth (Y/Y) | 1.21% | 3.78% | -2.57% | 45th below |
See Farmers & Merchants Bank's peers by name
The 536 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & 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 & Merchants Bank profile, how to read a UBPR, or how this data updates.