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 Lakeland, GA 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 | 1.65% | 1.35% | +0.30% | 71st above |
| ROAE | 19.28% | 12.05% | +7.23% | 85th top |
| Net Interest Margin | 4.80% | 3.90% | +0.90% | 88th top |
| Efficiency Ratio | 46.19% | 63.16% | -16.97% | 88th top |
| PPNR / Avg Assets | 2.62% | 1.64% | +0.98% | 91st top |
| Yield on Earning Assets | 6.74% | 5.65% | +1.09% | 92nd top |
| Cost of Funds | 2.10% | 1.85% | +0.25% | 32nd below |
| Net Interest Spread | 4.24% | 3.35% | +0.89% | 90th top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.55% | 0.92% | +0.63% | 17th bottom |
| NPA / Total Assets | 1.32% | 0.67% | +0.65% | 14th bottom |
| NCO / Avg Loans | 0.19% | 0.15% | +0.04% | 13th bottom |
| ACL / Total Loans Behind the peer average, ahead of the median peer. | 1.24% | 1.28% | -0.04% | 55th above |
| ACL / NPLs (Coverage) | 79.91% | 1645.80% | -1565.89% | 21st bottom |
| Texas Ratio | 17.00% | 7.15% | +9.85% | 10th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 199.70% | 1189.80% | -990.10% | 58th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 9.74% | 12.46% | -2.72% | 26th below |
| Equity / Assets | 8.58% | 11.67% | -3.09% | 21st bottom |
| TCE / Tangible Assets | 8.58% | 11.40% | -2.82% | 24th bottom |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit Behind the peer average, ahead of the median peer. | 79.12% | 78.64% | +0.48% | 53rd above |
| Core Deposit Ratio | 82.98% | 87.10% | -4.12% | 24th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 13.33% | 6.47% | +6.86% | 89th top |
| Loan Growth (Y/Y) Behind the peer average, ahead of the median peer. | 7.46% | 7.64% | -0.18% | 63rd above |
| Deposit Growth (Y/Y) | 12.79% | 6.02% | +6.77% | 88th top |
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.