BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

DE LEON, TXSmallEst. Jan. 1, 1905, midnightFDIC #3170RSSD #555256FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an 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%. CET1 capital ratio: 13.28%, well above regulatory minimums. NPL ratio: 0.00% · Texas Ratio: 0.00%. Operates 7 domestic branches.

Assets
$245M
Deposits
$210M
Loans
$140M
Equity
$33M

Profitability

Return on Assets (ROA)1.44%
Return on Equity (ROE)10.89%
Net Interest Margin4.71%
Yield on Assets5.90%
Cost of Funds1.28%

Asset Quality

NPL Ratio0.00%
Net Charge-Off Ratio0.01%
Texas Ratio0.00%
NPA Ratio0.00%
ACL / Loans1.40%

Capital & Liquidity

CET1 Ratio13.28%
Tier 1 Capital13.28%
Total Capital Ratio13.95%
Leverage Ratio12.53%
Loan-to-Deposit66.65%

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