FARMERS & MERCHANTS BANK

PIEDMONT, AL | Small | Est. April 12, 1915, midnight | FDIC #1735 | RSSD #434539 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in PIEDMONT, AL, established in April 12, 1915, midnight. As of 2025-12-31, the bank reported total assets of $311M and total deposits of $277M. Profitability stands at 0.64% ROA and 6.30% ROE, with a net interest margin of 4.05%. The bank's CET1 capital ratio is 17.43%, 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 #1735.

Assets

$311M

Deposits

$277M

Loans

$142M

Equity

$32M

Profitability

Return on Assets (ROA) 0.64%
Return on Equity (ROE) 6.30%
Net Interest Margin (NIM) 4.05%
Yield on Assets 5.03%
Cost of Funds 1.01%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.42%

Capital & Liquidity

CET1 Ratio 17.43%
Tier 1 Capital 17.43%
Total Capital Ratio 18.35%
Leverage Ratio 12.32%
Loan-to-Deposit 51.49%

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