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Farmers & Merchants Bank Locations & Branches Waterloo, Alabama
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Farmers & Merchants Bank operates 2 branches from its headquarters in Waterloo, AL, .
Farmers & Merchants Bank branch network
Both branches are in ALABAMA, across 2 cities. Its largest office by deposits is the Florence Branch office in Florence, AL, with $53.0M (61.2% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers & Merchants Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 17.03% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $98.3M
- Tier 1 leverage ratio, Q2 2026
- 17.03%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1914
Full financial profile · Is Farmers & Merchants Bank safe? · Farmers & Merchants Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waterloo, AL (1 branch) | 1 of 1 | 100.0% | $33.5M |
| State: AL (2 branches) | 115 of 131 | <0.1% | $86.5M |
Ranked by total assets among banks headquartered in the state: Largest banks in Alabama.
Share by county and metro area
Farmers & Merchants Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Lauderdale, AL (2 branches) | 10 of 16 | 3.3% | $86.5M | $2.62B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Florence-Muscle Shoals, AL (2 branches) | 11 of 16 | 2.2% | $86.5M | $3.94B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Florence Branch | Florence, AL | 35633 | $53.0M |
| The Farmers & Merchants Bank | Waterloo, AL | 35677 | $33.5M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 1745) · FFIEC NIC profile (RSSD 291732)