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 Eatonton, GA against its peer group of 2603 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 | 0.71% | 1.35% | -0.64% | 20th bottom |
| ROAE | 7.54% | 13.32% | -5.78% | 23rd bottom |
| Net Interest Margin | 2.94% | 3.93% | -0.99% | 9th bottom |
| Efficiency Ratio | 67.04% | 61.13% | +5.91% | 35th below |
| PPNR / Avg Assets | 1.04% | 1.68% | -0.64% | 22nd bottom |
| Yield on Earning Assets | 4.49% | 5.67% | -1.18% | 9th bottom |
| Cost of Funds | 1.76% | 1.88% | -0.12% | 53rd above |
| Net Interest Spread | 1.71% | 3.32% | -1.61% | 2nd bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans Ahead of the peer average, behind the median peer. | 0.72% | 0.94% | -0.22% | 36th below |
| NPA / Total Assets Ahead of the peer average, behind the median peer. | 0.36% | 0.70% | -0.34% | 46th below |
| NCO / Avg Loans | -0.13% | 0.16% | -0.29% | 98th top |
| ACL / Total Loans | 1.49% | 1.28% | +0.21% | 77th top |
| ACL / NPLs (Coverage) | 205.32% | 1546.53% | -1341.21% | 49th below |
| Texas Ratio | 3.44% | 7.34% | -3.90% | 50th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| CET1 Ratio Behind the peer average, ahead of the median peer. | 18.51% | 19.48% | -0.97% | 72nd above |
| Tier 1 Ratio Behind the peer average, ahead of the median peer. | 18.51% | 19.52% | -1.01% | 71st above |
| Total Capital Ratio Behind the peer average, ahead of the median peer. | 19.76% | 20.61% | -0.85% | 72nd above |
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.20% | 12.14% | -0.94% | 54th above |
| Equity / Assets | 9.91% | 11.37% | -1.46% | 44th below |
| TCE / Tangible Assets | 9.91% | 11.08% | -1.17% | 48th below |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 55.17% | 80.67% | -25.50% | 87th top |
| Core Deposit Ratio | 84.35% | 86.85% | -2.50% | 28th below |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | -8.44% | 6.85% | -15.29% | 2nd bottom |
| Loan Growth (Y/Y) | 14.55% | 7.92% | +6.63% | 85th top |
| Deposit Growth (Y/Y) | -10.75% | 6.29% | -17.04% | 2nd bottom |
See Farmers & Merchants Bank's peers by name
The 2603 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.