FARMERS AND MERCHANTS BANK

ARNETT, OK | Micro | Est. Dec. 28, 1908, midnight | FDIC #13415 | RSSD #257653 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is amn micro FDIC-insured commercial bank headquartered in ARNETT, OK, established in Dec. 28, 1908, midnight. As of 2025-12-31, the bank reported total assets of $80M and total deposits of $69M. Profitability stands at 1.41% ROA and 11.30% ROE, with a net interest margin of 3.41%. The bank's CET1 capital ratio is 12.49%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.35% and a Texas Ratio of 0.87%. FDIC Certificate #13415.

Assets

$80M

Deposits

$69M

Loans

$26M

Equity

$10M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 11.30%
Net Interest Margin (NIM) 3.41%
Yield on Assets 5.11%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.35%
Net Charge-Off Ratio 0.26%
Texas Ratio 0.87%
NPA Ratio 0.11%
ACL / Loans 1.91%

Capital & Liquidity

CET1 Ratio 12.49%
Tier 1 Capital 12.49%
Total Capital Ratio 13.11%
Leverage Ratio 13.06%
Loan-to-Deposit 37.47%

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