Farmers and Merchants Bank: how it compares with its peers
Against 54 GA banks with half to twice its assets, Farmers and Merchants Bank's strongest measure in Q2 2026 is efficiency ratio (40.01% vs. a 60.52% peer median). Its weakest relative measure is net interest margin (4.22% vs. 4.65%).
| Measure | Farmers and Merchants Bank | Peer median | Rank |
|---|---|---|---|
| Return on assets Annualized net income over average assets. | 2.05% | 1.48% | Top third Ahead of 80% of peers |
| Net interest margin Annualized net interest income over earning assets. | 4.22% | 4.65% | Middle third Ahead of 39% of peers |
| Efficiency ratio Noninterest expense per dollar of revenue. Lower is better. | 40.01% | 60.52% | Top third Ahead of 98% of peers |
| Assets per employee Total assets over full-time-equivalent staff. | $7.8M | $6.9M | Top third Ahead of 69% of peers |
| Loans to deposits Net loans and leases over total deposits. | 40.05% | 75.64% | Context |
What it means for lending operations
Its efficiency ratio of 40.01% is better than the 60.52% peer median. Banks that already run lean usually find their next gains in loan growth: faster digital applications and fewer borrowers abandoning a slow document chase.
Banks closest in size
- Bank of Dade Trenton, GA · $162M
- Family Bank Pelham, GA · $162M
- West Central Georgia Bank Thomaston, GA · $160M
- Bank of Dawson Dawson, GA · $160M
- Bank of Monticello Monticello, GA · $158M
Questions about Farmers and Merchants Bank
How big is Farmers and Merchants Bank?
Farmers and Merchants Bank, established in 1946, is headquartered in Sylvania, GA. It reported $171M in total assets in its Q2 2026 FDIC call report and operates 3 offices.
What is Farmers and Merchants Bank's return on assets?
2.05% annualized in Q2 2026, against a 1.48% median for 54 GA banks with half to twice its assets, ahead of 80% of them.
What is Farmers and Merchants Bank's efficiency ratio?
40.01% in Q2 2026: it spent about 40 cents in noninterest expense for each dollar of revenue. The peer median is 60.52%, and lower is better.
Is Farmers and Merchants Bank growing its loans?
Net loans grew 1.2% over the year to Q2 2026, while deposits shrank 0.6%.
Sources and method
Figures are from the FDIC’s public call report data for the quarter ending 06/30/2026, via FDIC BankFind. Return on assets and net interest margin are annualized year to date. Peers are GA banks with half to twice its assets in the same quarter, excluding this bank. The page refreshes daily, so new quarters appear as banks file. Compare another bank or see every Georgia bank ranked.