Farmers and Merchants Bank (Maysville, OK)
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Merchants Bank is an FDIC-insured commercial bank headquartered in Maysville, OK, established in 1908 (FDIC certificate 4144), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $22.0M, down 1.5% from Q2 2025, the 167th largest of 169 banks headquartered in Oklahoma. It reports no CET1 ratio; its Tier 1 leverage ratio was 10.79% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 4144
- Headquarters
- Maysville, OK
- Established
- 1908
- Total assets, Q2 2026
- $22.0M
- Assets vs Q2 2025
- -1.5%
- Tier 1 leverage ratio, Q2 2026
- 10.79%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 103105695
- Latest call report
- Q2 2026, FFIEC 051 · Farmers and Merchants Bank call report
- Asset rank in state
- 167th of 169 in Oklahoma
Farmers and Merchants Bank earns an unusually wide margin on its lending. Based in Maysville, Oklahoma, it had $22 million in assets at June 30, 2026, down 1.5% from a year earlier. It keeps 5.40 cents of net interest income on every dollar of earning assets, higher than about 9 in 10 of the 583 banks with less than $100 million in assets (median 3.87 cents). It also pays an average of 0.75% on its deposits and borrowings, about half the median of 1.53% for banks its size.
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 1.61% of loans from 4.29%. Its $3.4 million commercial and industrial book is improving, with 5.62% past due or on nonaccrual, down from 9.18% a year earlier. Credit is the area to watch: it carries problem assets equal to 7.1% of the capital and reserves that would absorb them, 5.1 times the median of 1.4% for banks its size.
As of June 30, 2026, Farmers and Merchants Bank reported a return on assets of 1.57%, a nonperforming-loan ratio of 1.61% and a Texas ratio of 7.10%. The figures come from its call report filed with the FFIEC.
Farmers and Merchants Bank ranks as the 167th largest of the 169 banks based in Oklahoma, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets fell 1.5% to $22.0M, loans rose 4.7% and deposits fell 1.9%. The largest part of its loan book on June 30, 2026 was commercial and industrial loans, at 27.8% of total loans, ahead of farmland and other real estate loans at 22.4%. The FDIC Summary of Deposits lists a single office for it, in Maysville, OK. On its Q2 2026 call report, Farmers and Merchants Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 621 Main Street, Maysville, OK 73057
- County
- Garvin
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Dallas (Region 13)
- Federal Reserve member
- No
- Federal Reserve district
- District 10, Kansas City
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 1, 1908
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 7
- Domestic deposits
- $19.6M
- Allowance for credit losses
- $375K
- Net charge-offs (YTD)
- $28K
- Average total assets
- $22.2M
- Average total loans
- $11.7M
- Average interest-bearing deposits
- $12.8M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 4144
- Fed RSSD
- 836656
- Website
- http://www.fmbokonline.com →
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, Farmers and Merchants Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
Farmers and Merchants Bank's total assets moved between a low of $22.0M (Q2 2026) and a high of $24.4M (Q1 2024) from Q3 2023 to Q2 2026, and it earned a profit in 10 of the 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$22.0M total assets against $22.3M; $19.6M total liabilities against $20.2M.
$11.8M net loans and leases against $12.5M; $19.6M total deposits against $20.1M.
$4.8M securities against $4.0M; $4.4M cash and balances due against $4.9M.
$320K total interest income against $346K; $37K total interest expense against $26K.
$283K net interest income against $320K.
$15K total noninterest income against $21K; $211K total noninterest expense against $222K.
$0 provision for credit losses against $182K.
$87K net income against -$63K.
1.57% return on assets against -1.12%; 5.40% net interest margin against 6.01%.
10.79% tier 1 leverage ratio against 9.30%.
Inside the full Farmers and Merchants Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
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Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from -1.67% (Q3 2024) to 2.60% (Q4 2024) and its net interest margin ran from 5.37% (Q1 2026) to 7.62% (Q3 2024).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 10.79% | 1.57% | 1.61% | 7.10% | 5.40% |
| Q1 2026 | 10.38% | 1.56% | 3.65% | 15.51% | 5.37% |
| Q4 2025 | 9.95% | 2.05% | 3.68% | 15.89% | 5.66% |
| Q3 2025 | 9.67% | 1.91% | 4.12% | 18.32% | 6.23% |
| Q2 2025 | 9.30% | -1.12% | 4.29% | 22.26% | 6.01% |
| Q1 2025 | 8.93% | 2.20% | 0.58% | 3.06% | 6.62% |
| Q4 2024 | 8.38% | 2.60% | 0.50% | 2.87% | 7.15% |
| Q3 2024 | 7.54% | -1.67% | 0.00% | 0.00% | 7.62% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Bank (main office) | Maysville , OK | 73057 | $19.6M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| July 31, 1987 | Structure Change | Acquired Bank of Granite Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| July 30, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 16, 1987 | Structure Change | Acquired The First National Bank of Rush Springs Failure, Government Assistance Provided for the acquired bank | FFIEC NIC |
| January 15, 1987 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OK, rank 189 of 192 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- SBA 7(a) lending
- 1 loans, $30K approved, $30K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 1996 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- Enforcement actions, Mortgage lending (HMDA), Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
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Frequently asked about Farmers and Merchants Bank
What are Farmers and Merchants Bank's total assets?
As of the Q2 2026 filing, Farmers and Merchants Bank reported total assets of $22.0 million in its FFIEC call report.
Where is Farmers and Merchants Bank headquartered?
It is headquartered in Maysville, OK, United States.
When was Farmers and Merchants Bank founded?
It was established in 1908, per the FDIC institution directory.
Is Farmers and Merchants Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #4144). 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.
How many branches does Farmers and Merchants Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Merchants Bank's Texas Ratio?
Its Texas Ratio is 7.10% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
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