Merchants & Farmers Bank of Greene County: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Merchants & Farmers Bank of Greene County of Eutaw, AL 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 | 0.57% | 1.35% | -0.78% | 15th bottom |
| ROAE | 5.30% | 13.32% | -8.02% | 15th bottom |
| Net Interest Margin | 3.33% | 3.93% | -0.60% | 21st bottom |
| Efficiency Ratio | 81.62% | 61.13% | +20.49% | 12th bottom |
| PPNR / Avg Assets | 0.66% | 1.68% | -1.02% | 11th bottom |
| Yield on Earning Assets | 5.46% | 5.67% | -0.21% | 43rd below |
| Cost of Funds | 2.36% | 1.88% | +0.48% | 19th bottom |
| Net Interest Spread | 2.52% | 3.32% | -0.80% | 14th bottom |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 5.41% | 0.94% | +4.47% | 2nd bottom |
| NPA / Total Assets | 3.31% | 0.70% | +2.61% | 3rd bottom |
| NCO / Avg Loans | 0.50% | 0.16% | +0.34% | 6th bottom |
| ACL / Total Loans | 1.17% | 1.28% | -0.11% | 48th below |
| ACL / NPLs (Coverage) | 21.71% | 1546.34% | -1524.63% | 1st bottom |
| Texas Ratio | 28.71% | 7.33% | +21.38% | 3rd bottom |
| Provision / NCO | 0.00% | 1395.15% | -1395.15% | 13th bottom |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 11.69% | 12.14% | -0.45% | 61st above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.36% | -0.56% | 57th above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 10.80% | 11.08% | -0.28% | 61st above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 68.95% | 80.66% | -11.71% | 72nd above |
| Core Deposit Ratio | 67.29% | 86.85% | -19.56% | 4th bottom |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 10.02% | 6.84% | +3.18% | 83rd top |
| Loan Growth (Y/Y) | 13.32% | 7.92% | +5.40% | 83rd top |
| Deposit Growth (Y/Y) | 10.07% | 6.29% | +3.78% | 83rd top |
See Merchants & Farmers Bank of Greene County's peers by name
The 2603 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Merchants & Farmers Bank of Greene County, 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 Merchants & Farmers Bank of Greene County profile, how to read a UBPR, or how this data updates.