Applications / Mortgage Analytics / Lenders / Alabama / Farmers and Merchants Bank / Competition
Farmers and Merchants Bank
Piedmont, AL · State non-member bank · FDIC · $311 million assets · 28 loans in 2025
Farmers and Merchants Bank's data, $215Buy the data, $2,110Get Jenner, the SAS-compatible software
28
loans originated, 2025
28
applications, 2025
2
states and territories
0
gaps bigger than at similar lenders
Who Farmers and Merchants Bank competes with, by dollars lent in 2025, in its five largest markets and the three it entered most recently. A Pareto chart puts the lenders in order of size and draws their running share, so the reader sees how concentrated each market is: where the line climbs steeply, a few lenders hold most of it.
FIG. 1 — ANNISTON-OXFORD, AL, 2025
Farmers and Merchants Bank ranks 31st of 203 lenders in Anniston-Oxford, AL, with $3.0M lent: 0.8% of a $361.8M market.
Anniston-Oxford, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Farmers and Merchants Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 45% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 2 — NON-METRO ALABAMA, 2025
Farmers and Merchants Bank ranks 237th of 523 lenders in non-metro Alabama, with $2.2M lent: 0.1% of a $3.92B market.
non-metro Alabama is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Farmers and Merchants Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 29% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 3 — PANAMA CITY-PANAMA CITY BEACH, FL, 2025
Farmers and Merchants Bank ranks 278th of 443 lenders in Panama City-Panama City Beach, FL, with $510K lent: 0.0% of a $1.96B market.
Panama City-Panama City Beach, FL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Farmers and Merchants Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 39% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
FIG. 4 — GADSDEN, AL, 2025
Farmers and Merchants Bank ranks 147th of 190 lenders in Gadsden, AL, with $195K lent: 0.0% of a $438.6M market.
Gadsden, AL is one of its five largest markets. Bars: dollars lent by each of the ten largest lenders, and Farmers and Merchants Bank in amber (marked ▶, with its rank when below the ten). Line: the running total of the bars as a share of the whole market, ending at 44% of it.
SOURCE: FFIEC HMDA 2025, DOLLARS LENT ON LOANS ORIGINATED
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Farmers and Merchants Bank and its peers, 2018–2025: every application in the HMDA data, cleaned and corrected, as Parquet files, with the Jenner programs that made these pages.
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Every mortgage application reported under HMDA from 1990 to 2025, cleaned and corrected, every lender followed across name changes and mergers, with the market-share and fair-lending tables behind these pages and the Jenner programs that built them: the warehouse and the datamart, as Parquet files.
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