BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

DUKE, OKMicroEst. May 2, 1910, midnightFDIC #12284RSSD #273859FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 12.02%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 1 domestic branch.

Assets
$19M
Deposits
$16M
Loans
$7M
Equity
$2M

Profitability

Return on Assets (ROA)-0.93%
Return on Equity (ROE)-7.62%
Net Interest Margin3.80%
Yield on Assets5.45%
Cost of Funds1.74%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.00%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.91%

Capital & Liquidity

CET1 Ratio12.02%
Tier 1 Capital12.02%
Total Capital Ratio12.62%
Leverage Ratio11.92%
Loan-to-Deposit40.22%

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