BanksFARMERS AND MECHANICS FEDERAL SAVINGS BANK

FARMERS AND MECHANICS FEDERAL SAVINGS BANK

BLOOMFIELD, INSmallEst. Jan. 1, 1892, midnightFDIC #28478RSSD #412872FDIC
Latest · 2025-12-31

FARMERS AND MECHANICS FEDERAL SAVINGS BANK is an 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%. CET1 capital ratio: 10.57%, well above regulatory minimums. NPL ratio: 1.33% · Texas Ratio: 15.50%. Operates 4 domestic branches.

Assets
$117M
Deposits
$110M
Loans
$69M
Equity
$6M

Profitability

Return on Assets (ROA)-0.26%
Return on Equity (ROE)-5.67%
Net Interest Margin2.92%
Yield on Assets4.98%
Cost of Funds1.99%

Asset Quality

NPL Ratio1.33%
Net Charge-Off Ratio0.13%
Texas Ratio15.50%
NPA Ratio0.78%
ACL / Loans0.48%

Capital & Liquidity

CET1 Ratio10.57%
Tier 1 Capital10.57%
Total Capital Ratio11.03%
Leverage Ratio6.66%
Loan-to-Deposit62.40%

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