FARMERS AND MERCHANTS BANK

DUKE, OK | Micro | Est. May 2, 1910, midnight | FDIC #12284 | RSSD #273859 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is amn micro FDIC-insured commercial bank headquartered in DUKE, OK, established in May 2, 1910, midnight. As of 2025-12-31, the bank reported total assets of $19M and total deposits of $16M. Profitability stands at -0.93% ROA and -7.62% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 12.02%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #12284.

Assets

$19M

Deposits

$16M

Loans

$7M

Equity

$2M

Profitability

Return on Assets (ROA) -0.93%
Return on Equity (ROE) -7.62%
Net Interest Margin (NIM) 3.80%
Yield on Assets 5.45%
Cost of Funds 2.73%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio --
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.91%

Capital & Liquidity

CET1 Ratio 12.02%
Tier 1 Capital 12.02%
Total Capital Ratio 12.62%
Leverage Ratio 11.92%
Loan-to-Deposit 40.22%

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