FARMERS AND MERCHANTS BANK

DE LEON, TX | Small | Est. Jan. 1, 1905, midnight | FDIC #3170 | RSSD #555256 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in DE LEON, TX, established in Jan. 1, 1905, midnight. As of 2025-12-31, the bank reported total assets of $245M and total deposits of $210M. Profitability stands at 1.44% ROA and 10.89% ROE, with a net interest margin of 4.71%. The bank's CET1 capital ratio is 13.28%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #3170.

Assets

$245M

Deposits

$210M

Loans

$140M

Equity

$33M

Profitability

Return on Assets (ROA) 1.44%
Return on Equity (ROE) 10.89%
Net Interest Margin (NIM) 4.71%
Yield on Assets 5.90%
Cost of Funds 1.28%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.40%

Capital & Liquidity

CET1 Ratio 13.28%
Tier 1 Capital 13.28%
Total Capital Ratio 13.95%
Leverage Ratio 12.53%
Loan-to-Deposit 66.65%

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