FARMERS & MERCHANTS BANK

TIMBERVILLE, VA | Large | Est. Jan. 1, 1908, midnight | FDIC #8668 | RSSD #713926 | FED
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is aln large FDIC-insured commercial bank headquartered in TIMBERVILLE, VA, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $1.4B and total deposits of $1.3B. Profitability stands at 0.91% ROA and 11.77% ROE, with a net interest margin of 3.58%. The bank's CET1 capital ratio is 13.11%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.68% and a Texas Ratio of 5.21%. FDIC Certificate #8668.

Assets

$1.4B

Deposits

$1.3B

Loans

$889M

Equity

$108M

Profitability

Return on Assets (ROA) 0.91%
Return on Equity (ROE) 11.77%
Net Interest Margin (NIM) 3.58%
Yield on Assets 5.60%
Cost of Funds 2.84%

Asset Quality

NPL Ratio 0.68%
Net Charge-Off Ratio 0.33%
Texas Ratio 5.21%
NPA Ratio 0.44%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 13.11%
Tier 1 Capital 13.11%
Total Capital Ratio 14.04%
Leverage Ratio 8.73%
Loan-to-Deposit 71.11%

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