BanksFARMERS & MERCHANTS BANK

FARMERS & MERCHANTS BANK

PIEDMONT, ALSmallEst. April 12, 1915, midnightFDIC #1735RSSD #434539FDIC
Latest · 2025-12-31

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.

Assets
$311M
Deposits
$277M
Loans
$142M
Equity
$32M

Profitability

Return on Assets (ROA)0.64%
Return on Equity (ROE)6.30%
Net Interest Margin4.05%
Yield on Assets5.03%
Cost of Funds1.01%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.42%

Capital & Liquidity

CET1 Ratio17.43%
Tier 1 Capital17.43%
Total Capital Ratio18.35%
Leverage Ratio12.32%
Loan-to-Deposit51.49%

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