FARMERS AND MERCHANTS BANK

LAFAYETTE, AL | Small | Est. Jan. 30, 1934, midnight | FDIC #13887 | RSSD #446130 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in LAFAYETTE, AL, established in Jan. 30, 1934, midnight. As of 2025-12-31, the bank reported total assets of $305M and total deposits of $276M. Profitability stands at 1.04% ROA and 15.34% ROE, with a net interest margin of 3.31%. The bank's CET1 capital ratio is 6.83%. Asset quality metrics show a non-performing loan ratio of 1.02% and a Texas Ratio of 5.60%. FDIC Certificate #13887.

Assets

$305M

Deposits

$276M

Loans

$122M

Equity

$21M

Profitability

Return on Assets (ROA) 1.04%
Return on Equity (ROE) 15.34%
Net Interest Margin (NIM) 3.31%
Yield on Assets 5.28%
Cost of Funds 1.96%

Asset Quality

NPL Ratio 1.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 5.60%
NPA Ratio 0.41%
ACL / Loans 1.23%

Capital & Liquidity

CET1 Ratio 6.83%
Tier 1 Capital 6.83%
Total Capital Ratio 7.17%
Leverage Ratio 10.59%
Loan-to-Deposit 44.31%

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