The Farmers and Merchants National Bank of Nashville
The Farmers and Merchants National Bank of Nashville is an FDIC-insured commercial bank headquartered in Nashville, IL, supervised by the OCC, with $264.2M in total assets at Q3 2026, down 8.2% from Q3 2025, the 167th largest of 319 banks headquartered in Illinois. It was established in 1906 and holds FDIC certificate 3821. Its CET1 capital ratio was 15.21% at Q3 2026, comfortably above the 7% level required once the capital conservation buffer is included.
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Data as of · sourced from FFIEC call reports. How we update
- Charter
- Commercial bank
- Regulator
- OCC
- Deposit insurance
- FDIC
- FDIC certificate
- 3821
- Headquarters
- Nashville, IL
- Established
- 1906
- Total assets, Q3 2026
- $264.2M
- Assets vs Q3 2025
- -8.2%
- CET1 ratio, Q3 2026
- 15.21%
- Domestic offices
- 8 branches
- Routing number
- 081906275
- Safety and soundness
- Is The Farmers and Merchants National Bank of Nashville safe?
- Latest call report
- Q3 2026, FFIEC 051 · The Farmers and Merchants National Bank of Nashville call report
- Holding company
- FARMERS AND MERCHANTS BANCSHARES, INC.
- Asset rank in state
- 167th of 319 in Illinois
Problem loans are rising at The Farmers and Merchants National Bank of Nashville. It reported $264 million in assets at September 30, 2026, down 8.2% from a year earlier. Loans on nonaccrual or 90 or more days past due, net of government guarantees, rose to 0.65% of loans from 0.00% a year earlier. It pays an average of 0.85% on its deposits and borrowings, about half the median of 1.83% for the 2,624 banks with $100 million to $1 billion in assets. It also lost 9.0% of its deposits over the year, lower than about 9 in 10 banks its size (median 3.8%).
Loans and deposits moved in opposite directions: over the year loans rose 2.1% and deposits fell 9.0%. Unrealized losses on its securities total $7.2 million, equal to 22% of Tier 1 capital, against 18% a year earlier.
As of September 30, 2026, The Farmers and Merchants National Bank of Nashville reported a CET1 capital ratio of 15.21%, a return on assets of 1.63%, a nonperforming-loan ratio of 0.65% and a Texas ratio of 5.66%. The figures come from its call report filed with the FFIEC.
Of the 319 banks headquartered in Illinois, The Farmers and Merchants National Bank of Nashville is the 167th largest by total assets at Q3 2026. Between Q2 2026 and Q3 2026, its total assets fell 2.3% to $264.2M, loans fell 1.7% and deposits fell 1.9%. The largest part of its loan book on September 30, 2026 was farmland and other real estate loans, at 29.3% of total loans, ahead of 1-4 family residential loans at 21.7%. Its 8 offices in the FDIC Summary of Deposits are in 7 cities in IL; its Nashville 2 offices book 72% of its branch deposits. On its Q3 2026 call report, The Farmers and Merchants National Bank of Nashville meets every capital ratio test for well capitalized.
Headquarters Profile
- Address
- 120 W Saint Louis St, Nashville, IL 62263
- County
- Washington
- Charter
- Commercial bank, national (federal) charter, Fed member, OCC-supervised
- Primary Regulator
- OCC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- Yes
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- May 10, 1906
- Domestic offices
- 8 branches
- Employees (FTE)
- 49
- Domestic deposits
- $237.9M
- Allowance for credit losses
- $1.9M
- Net charge-offs (YTD)
- $3K
- Average total assets
- $277.6M
- Average total loans
- $181.2M
- Average interest-bearing deposits
- $188.4M
- Tax status
- Subchapter S
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 3821
- Fed RSSD
- 513546
- Website
- www.bankwithfmb.com →
- Parent Holding Company
- FARMERS AND MERCHANTS BANCSHARES, INC. (RSSD 2931331)
Profitability
Q3 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
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Ratios tagged annualized use the Q3 income alone. The UBPR and FDIC annualize the year to date instead. How we compute these figures
Quarterly trends
From Q4 2023 to Q3 2026, The Farmers and Merchants National Bank of Nashville's total assets ranged from $259.9M (Q4 2024) to $287.8M (Q3 2025), and it earned a profit in all 12 quarters. The line under each chart compares Q3 2026 with Q3 2025. How these charts are built
$264.2M total assets against $287.8M; $238.6M total liabilities against $262.1M.
$180.2M net loans and leases against $176.6M; $237.9M total deposits against $261.5M.
$59.0M securities against $66.6M; $12.6M cash and balances due against $32.5M.
$3.3M total interest income against $3.2M; $511K total interest expense against $593K.
$2.8M net interest income against $2.6M.
$327K total noninterest income against $315K; $1.9M total noninterest expense against $1.8M.
$30K provision for credit losses against $23K.
$1.1M net income against $1.1M.
1.63% return on assets against 1.56%; 4.27% net interest margin against 4.02%.
15.21% CET1 capital ratio against 15.32%; 11.80% tier 1 leverage ratio against 11.25%.
Inside the full The Farmers and Merchants National Bank of Nashville terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeThe Farmers and Merchants National Bank of Nashville rankings
Its closest position to the top of a national ranking is 1,073 of 3,627, for ROA; its furthest is 2,634 of 4,193, for total assets.
Quarterly trend: last 8 quarters
From Q4 2024 to Q3 2026, its return on assets ran from 1.49% (Q1 2025) to 1.63% (Q2 2026) and its net interest margin ran from 3.83% (Q4 2024) to 4.27% (Q3 2026).
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q3 2026 | 15.21% | 1.63% | 0.65% | 5.66% | 4.27% |
| Q2 2026 | 15.26% | 1.63% | 0.61% | 5.19% | 4.15% |
| Q1 2026 | 15.74% | 1.53% | 0.33% | 5.85% | 4.05% |
| Q4 2025 | 15.00% | 1.50% | 0.81% | 5.43% | 4.00% |
| Q3 2025 | 15.32% | 1.56% | 0.00% | 0.00% | 4.02% |
| Q2 2025 | 15.71% | 1.54% | 0.12% | 0.85% | 3.93% |
| Q1 2025 | 15.71% | 1.49% | 0.08% | 0.54% | 3.88% |
| Q4 2024 | 15.17% | 1.57% | 0.08% | 0.58% | 3.83% |
Swipe the table sideways to see every column.
Branch Network
View all 8 branches → 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 |
|---|---|---|---|
| The Farmers and Merchants National Bank of Nashville | Nashville , IL | 62263 | $175.5M |
| Hoyleton Branch | Hoyleton , IL | 62803 | $14.8M |
| Ashley Branch | Ashley , IL | 62808 | $14.8M |
| O'Fallon Branch | O'Fallon , IL | 62269 | $10.9M |
| Dubois Branch | Dubois , IL | 62831 | $10.2M |
| Lebanon Branch | Lebanon , IL | 62254 | $9.7M |
| Mascoutah Branch | Mascoutah , IL | 62258 | $6.7M |
| F & M Motor Facility Branch | Nashville , IL | 62263 | $0 |
Regulatory record
Facts as filed or published, not a rating.
- Enforcement actions
- 1 against the institution (OCC)
- January 23, 2003, OCC: Formal Agreement: The Farmers and Merchants National Bank of Nashville
- Period: Most recent institution action January 23, 2003. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IL, rank 185 of 379 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 52 applications, 43 loans originated, $8.8M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- 1 loans, $205K approved, $205K average. 0.00% of that year's loans have since been charged off
- Period: Federal fiscal year 2010 (October to September). Source: SBA 7(a) and 504 loan data (FOIA).
- Not on file
- 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 The Farmers and Merchants National Bank of Nashville
What are The Farmers and Merchants National Bank of Nashville's total assets?
As of the Q3 2026 filing, The Farmers and Merchants National Bank of Nashville reported total assets of $264.2 million in its FFIEC call report.
Where is The Farmers and Merchants National Bank of Nashville headquartered?
It is headquartered in Nashville, IL, United States.
When was The Farmers and Merchants National Bank of Nashville founded?
It was established in 1906, per the FDIC institution directory.
Is The Farmers and Merchants National Bank of Nashville FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #3821). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers and Merchants National Bank of Nashville?
The Farmers and Merchants National Bank of Nashville's primary federal regulator is the OCC.
What is The Farmers and Merchants National Bank of Nashville's CET1 capital ratio?
It reported a Common Equity Tier 1 (CET1) capital ratio of 15.21% in its Q3 2026 call report, comfortably above the 7% level required once the capital conservation buffer is included.
How many branches does The Farmers and Merchants National Bank of Nashville operate?
It operates 8 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers and Merchants National Bank of Nashville's Texas Ratio?
Its Texas Ratio is 5.66% in its Q3 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 nonperforming assets against the bank's capital and reserves.
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