FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 12.49%, well above regulatory minimums. NPL ratio: 0.35% · Texas Ratio: 0.87%. Operates 1 domestic branch.
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