FARMERS & MERCHANTS BANK is an 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%. CET1 capital ratio: 17.43%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 5 domestic branches.
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