FARMERS AND MERCHANTS BANK is an FDIC-insured commercial bank headquartered in GRANITE QUARRY, NC, established in Jan. 1, 1909, midnight. As of 2025-12-31, the bank reported total assets of $966M and total deposits of $814M. Profitability stands at 2.22% ROA and 14.93% ROE, with a net interest margin of 5.25%. CET1 capital ratio: 24.57%, well above regulatory minimums. NPL ratio: 0.61% · Texas Ratio: 2.90%. Operates 12 domestic branches.
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