BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

LAFAYETTE, ALSmallEst. Jan. 30, 1934, midnightFDIC #13887RSSD #446130FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 6.83%. NPL ratio: 1.02% · Texas Ratio: 5.60%. Operates 3 domestic branches.

Assets
$305M
Deposits
$276M
Loans
$122M
Equity
$21M

Profitability

Return on Assets (ROA)1.04%
Return on Equity (ROE)15.34%
Net Interest Margin3.31%
Yield on Assets5.28%
Cost of Funds1.96%

Asset Quality

NPL Ratio1.02%
Net Charge-Off Ratio0.00%
Texas Ratio5.60%
NPA Ratio0.41%
ACL / Loans1.23%

Capital & Liquidity

CET1 Ratio6.83%
Tier 1 Capital6.83%
Total Capital Ratio7.17%
Leverage Ratio10.59%
Loan-to-Deposit44.31%

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