FARMERS AND MERCHANTS BANK

UPPERCO, MD | Medium | Est. Jan. 1, 1919, midnight | FDIC #1895 | RSSD #891226 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS BANK is amn medium FDIC-insured commercial bank headquartered in UPPERCO, MD, established in Jan. 1, 1919, midnight. As of 2025-12-31, the bank reported total assets of $872M and total deposits of $722M. Profitability stands at 0.89% ROA and 10.46% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 11.65%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 2.09%. FDIC Certificate #1895.

Assets

$872M

Deposits

$722M

Loans

$638M

Equity

$76M

Profitability

Return on Assets (ROA) 0.89%
Return on Equity (ROE) 10.46%
Net Interest Margin (NIM) 3.44%
Yield on Assets 5.64%
Cost of Funds 2.24%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.10%
Texas Ratio 2.09%
NPA Ratio 0.19%
ACL / Loans 0.68%

Capital & Liquidity

CET1 Ratio 11.65%
Tier 1 Capital 11.65%
Total Capital Ratio 12.32%
Leverage Ratio 9.38%
Loan-to-Deposit 88.39%

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