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 Piedmont, 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 | 0.86% | 1.35% | -0.49% | 26th below |
| ROAE | 8.26% | 12.06% | -3.80% | 27th below |
| Net Interest Margin | 4.17% | 3.90% | +0.27% | 63rd above |
| Efficiency Ratio | 74.85% | 63.14% | +11.71% | 20th bottom |
| PPNR / Avg Assets | 1.09% | 1.64% | -0.55% | 24th bottom |
| Yield on Earning Assets | 5.07% | 5.65% | -0.58% | 26th below |
| Cost of Funds | 0.96% | 1.85% | -0.89% | 92nd top |
| Net Interest Spread | 3.71% | 3.35% | +0.36% | 71st above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.34% | 0.92% | +0.42% | 21st bottom |
| NPA / Total Assets | 0.67% | 0.67% | +0.00% | 31st below |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.27% | 1.28% | -0.01% | 59th above |
| ACL / NPLs (Coverage) | 94.94% | 1645.80% | -1550.86% | 26th below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.06% | 7.15% | -1.09% | 35th below |
| Provision / NCO | 0.00% | 1189.92% | -1189.92% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 17.02% | 20.83% | -3.81% | 64th above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 17.02% | 20.86% | -3.84% | 63rd above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 17.87% | 21.94% | -4.07% | 62nd above |
| Leverage Ratio | 12.73% | 12.46% | +0.27% | 73rd above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.67% | -1.31% | 50th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.36% | 11.40% | -1.04% | 55th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 57.06% | 78.65% | -21.59% | 86th top |
| Core Deposit Ratio | 87.09% | 87.09% | +0.00% | 39th below |
| Wholesale Funding Ratio | 1.94% | 5.11% | -3.17% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -1.88% | 6.48% | -8.36% | 11th bottom |
| Loan Growth (Y/Y) | 8.12% | 7.64% | +0.48% | 66th above |
| Deposit Growth (Y/Y) | -5.46% | 6.03% | -11.49% | 6th bottom |
See Farmers & 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 & 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.