FARMERS & MERCHANTS BANK

WATERLOO, AL | Small | Est. July 1, 1914, midnight | FDIC #1745 | RSSD #291732 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in WATERLOO, AL, established in July 1, 1914, midnight. As of 2025-12-31, the bank reported total assets of $100M and total deposits of $88M. Profitability stands at -0.66% ROA and -5.77% ROE, with a net interest margin of 1.52%. The bank's CET1 capital ratio is 11.48%, 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 #1745. The institution operates 1 domestic branch.

Assets

$100M

Deposits

$88M

Loans

$5M

Equity

$11M

Profitability

Return on Assets (ROA) -0.66%
Return on Equity (ROE) -5.77%
Net Interest Margin (NIM) 1.52%
Yield on Assets 3.67%
Cost of Funds 2.99%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.04%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 3.49%

Capital & Liquidity

CET1 Ratio 11.48%
Tier 1 Capital 11.48%
Total Capital Ratio 12.06%
Leverage Ratio 16.72%
Loan-to-Deposit 6.12%

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