FARMERS AND MECHANICS FEDERAL SAVINGS BANK

BLOOMFIELD, IN | Small | Est. Jan. 1, 1892, midnight | FDIC #28478 | RSSD #412872 | FDIC
Latest Report: 2025-12-31

FARMERS AND MECHANICS FEDERAL SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in BLOOMFIELD, IN, established in Jan. 1, 1892, midnight. As of 2025-12-31, the bank reported total assets of $117M and total deposits of $110M. Profitability stands at -0.26% ROA and -5.67% ROE, with a net interest margin of 2.92%. The bank's CET1 capital ratio is 10.57%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.33% and a Texas Ratio of 15.50%. FDIC Certificate #28478.

Assets

$117M

Deposits

$110M

Loans

$69M

Equity

$6M

Profitability

Return on Assets (ROA) -0.26%
Return on Equity (ROE) -5.67%
Net Interest Margin (NIM) 2.92%
Yield on Assets 4.98%
Cost of Funds 2.21%

Asset Quality

NPL Ratio 1.33%
Net Charge-Off Ratio 0.13%
Texas Ratio 15.50%
NPA Ratio 0.78%
ACL / Loans 0.48%

Capital & Liquidity

CET1 Ratio 10.57%
Tier 1 Capital 10.57%
Total Capital Ratio 11.03%
Leverage Ratio 6.66%
Loan-to-Deposit 62.40%

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