FARMERS AND MERCHANTS BANK

BALDWYN, MS | Medium | Est. March 10, 1941, midnight | FDIC #15801 | RSSD #205243 | FED
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is amn medium FDIC-insured commercial bank headquartered in BALDWYN, MS, established in March 10, 1941, midnight. As of 2025-12-31, the bank reported total assets of $523M and total deposits of $444M. Profitability stands at 0.01% ROA and 0.08% ROE, with a net interest margin of 5.07%. The bank's CET1 capital ratio is 13.68%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.57% and a Texas Ratio of 6.94%. FDIC Certificate #15801.

Assets

$523M

Deposits

$444M

Loans

$348M

Equity

$72M

Profitability

Return on Assets (ROA) 0.01%
Return on Equity (ROE) 0.08%
Net Interest Margin (NIM) 5.07%
Yield on Assets 6.86%
Cost of Funds 1.94%

Asset Quality

NPL Ratio 1.57%
Net Charge-Off Ratio 0.36%
Texas Ratio 6.94%
NPA Ratio 1.06%
ACL / Loans 2.28%

Capital & Liquidity

CET1 Ratio 13.68%
Tier 1 Capital 13.68%
Total Capital Ratio 14.37%
Leverage Ratio 14.38%
Loan-to-Deposit 78.38%

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