BanksFARMERS AND MERCHANTS BANK

FARMERS AND MERCHANTS BANK

MAYSVILLE, OKMicroEst. Jan. 1, 1908, midnightFDIC #4144RSSD #836656FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS BANK is an FDIC-insured commercial bank headquartered in MAYSVILLE, OK, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $23M and total deposits of $20M. Profitability stands at 2.04% ROA and 21.17% ROE, with a net interest margin of 5.79%. CET1 capital ratio: 10.23%, well above regulatory minimums. NPL ratio: 3.68% · Texas Ratio: 15.89%. Operates 1 domestic branch.

Assets
$23M
Deposits
$20M
Loans
$12M
Equity
$2M

Profitability

Return on Assets (ROA)2.04%
Return on Equity (ROE)21.17%
Net Interest Margin5.79%
Yield on Assets6.40%
Cost of Funds0.62%

Asset Quality

NPL Ratio3.68%
Net Charge-Off Ratio1.58%
Texas Ratio15.89%
NPA Ratio1.91%
ACL / Loans3.42%

Capital & Liquidity

CET1 Ratio10.23%
Tier 1 Capital10.23%
Total Capital Ratio10.74%
Leverage Ratio9.95%
Loan-to-Deposit57.76%

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