FARMERS AND MERCHANTS BANK
FARMERS AND MERCHANTS BANK is an FDIC-insured commercial bank headquartered in UPPERCO, MD, established in 1919. As of , 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 3.26%. CET1 capital ratio: 11.65%, well above regulatory minimums. NPL ratio: 0.68% · Texas Ratio: 7.53%. Operates 9 domestic branches.
Capital & Liquidity
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Watch flags
Automated conditions triggered on this bank's latest filing. Advisory only — see the source metric pages for full context.
Over 70% of deposits sit above the $250K FDIC insurance threshold. This is the depositor-concentration profile that triggered Silicon Valley Bank's March 2023 deposit run.
Farmers and Merchants Bank rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| 2025-12-31 | 11.65% | 0.89% | 0.68% | 7.53% | 3.26% |
| 2025-09-30 | 11.25% | 0.87% | 0.70% | 9.32% | 3.14% |
| 2025-06-30 | 11.23% | 0.63% | 0.80% | 10.51% | 3.08% |
| 2025-03-31 | 11.54% | 0.59% | 1.16% | 11.23% | 2.83% |
| 2024-12-31 | 11.67% | 0.49% | 0.07% | 2.21% | 2.81% |
| 2024-09-30 | 11.81% | 0.62% | 0.07% | 2.18% | 2.67% |
| 2024-06-30 | 12.18% | 0.59% | 0.07% | 2.34% | 2.76% |
| 2024-03-31 | 12.47% | 0.65% | 0.12% | 2.73% | 2.73% |
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Frequently asked about FARMERS AND MERCHANTS BANK
What are Farmers and Merchants Bank's total assets?
As of the Q4 2025 filing, Farmers and Merchants Bank reported total assets of $872.4 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Merchants Bank headquartered?
Farmers and Merchants Bank is headquartered in UPPERCO, MD, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers and Merchants Bank founded?
Farmers and Merchants Bank was established in 1919, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. Farmers and Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #1895). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Merchants Bank?
Farmers and Merchants Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers and Merchants Bank's CET1 capital ratio?
Farmers and Merchants Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.65% in its most recent quarterly filing — above regulatory minimums.
How many branches does Farmers and Merchants Bank operate?
Farmers and Merchants Bank operates 9 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers and Merchants Bank's Texas Ratio?
Farmers and Merchants Bank's Texas Ratio is 7.53% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.