Farmers and Merchants Bank (De Leon, TX): Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank, based in De Leon, Texas, reported $270 million in assets at June 30, 2026, up 10.6% from a year earlier. It carries problem assets equal to 0.0% of the capital and reserves that would absorb them, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median 2.6%). It also grew its loan book 16.2% over the year, about triple the median of 5.5% for banks its size.
Net income for the quarter rose 13% from a year earlier, to $1.0 million. Over the same year, loans grew 16.2% and deposits grew 10.2%.
As of June 30, 2026, Farmers and Merchants Bank reported a return on assets of 1.52%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 0.00%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 240 S Texas St, De Leon, TX 76444
- County
- Comanche
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 11, Dallas
- Fiduciary (trust) powers
- Trust powers not granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1905
- Former names
- Freedom Bank (1989-1992); Farmers & Merchants Bank (1963-1989)
- Offices
- 7 domestic
- Employees (FTE)
- 51
- Domestic deposits
- $232.9M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $236K
- Average total assets
- $264.4M
- Average total loans
- $142.4M
- Average interest-bearing deposits
- $144.6M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3170
- Fed RSSD
- 555256
- Website
- www.fmbank-tx.com →
- Parent Holding Company
- F & M BANCSHARES, INC. (RSSD 2344641)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Farmers and Merchants Bank
- Farmers State Bank of Newcastle, effective April 4, 2025
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.97% | 1.52% | 0.00% | 0.00% | 4.64% |
| Q1 2026 | 12.27% | 1.46% | 0.00% | 0.00% | 4.57% |
| Q4 2025 | 12.53% | 1.43% | 0.00% | 0.00% | 4.75% |
| Q3 2025 | 12.18% | 2.18% | 0.00% | 0.00% | 4.76% |
| Q2 2025 | 12.91% | 1.63% | 0.00% | 0.00% | 4.70% |
| Q1 2025 | 15.02% | 1.30% | 0.00% | 0.00% | 4.51% |
| Q4 2024 | 14.94% | 1.31% | 0.40% | 1.51% | 4.44% |
| Q3 2024 | 15.34% | 1.19% | 0.00% | 0.00% | 4.57% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 7 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank (main office) | De Leon , TX | 76444 | $73.0M |
| Farmers and Merchants Bank - Newcastle Branch | Newcastle , TX | 76372 | $53.9M |
| Farmers and Merchants Bank - Stephenville Branch | Stephenville , TX | 76401 | $33.2M |
| Farmers and Merchants Bank - Comanche Branch | Comanche , TX | 76442 | $29.6M |
| Farmers and Merchants Bank - Eastland Branch | Eastland , TX | 76448 | $22.1M |
| Farmers and Merchants Bank - Early Branch | Early , TX | 76802 | $21.0M |
| Detached Facility | De Leon , TX | 76444 | $0 |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| April 4, 2025 | Structure Change | Acquired Farmers State Bank of Newcastle Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| April 3, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
Regulatory record
What the public regulatory sources show for Farmers and Merchants Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- 1 against the institution (OCC)
- April 2, 1991, OCC: Cease-and-Desist Order (C&D) or Personal Cease-and-Desist Order (PC&D): The Farmers And Merchants National Bank
- Period: Most recent institution action April 2, 1991. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in TX, rank 279 of 447 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- Not on file: no HMDA filing matched
- Period: not on file. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $100K approved, $100K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2006 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank reported total assets of $269.8 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered in De Leon, TX, United States. It files quarterly FFIEC call reports, as every FDIC-insured commercial bank must.
When was Farmers and Merchants Bank founded?
Farmers and Merchants Bank was established in 1905, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #3170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank?
Farmers and Merchants Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers and Merchants Bank operate?
Farmers and Merchants Bank operates 7 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank's Texas Ratio?
Farmers and Merchants Bank's Texas Ratio is 0.00% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
What was Farmers and Merchants Bank previously called?
The charter now named Farmers and Merchants Bank has also operated as Freedom Bank (1989-1992), Farmers & Merchants Bank (1963-1989), per FDIC structure-change records.
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