Farmers & Merchants Bank
Farmers & Merchants Bank is a community bank chartered in 1908, based in Timberville, VA, in the years before the Federal Reserve System's founding. As of Q1 2026, the bank held approximately $1.4B in total assets and $1.3B in deposits. Profitability tracks the broader industry — ROA 0.93%, ROE 12.04%, NIM 3.52%. Capital cushions are healthy: 13.18% CET1, 8.84% Tier 1 leverage. Asset quality is solid — 1.14% nonperforming loans and a 8.93% Texas Ratio. Its footprint covers 15 branches concentrated in Virginia.
Headquarters Profile
- Address
- 165 New Market Rd, TIMBERVILLE, VA 22853
- County
- Rockingham
- Metro Area
- HARRISONBURG, VA
- Charter
- Commercial bank, state charter, Fed member, FRB-supervised
- Primary Regulator
- FED
- Fed District
- 5
- Established
- January 1, 1908
- Branches
- 15 domestic
- Employees (FTE)
- 179
- FDIC Cert
- 8668
- Fed RSSD
- 713926
- Website
- www.FMBankVA.com →
- Parent Holding Company
- F & M BANK CORP. (RSSD 1076495)
Management
Senior officers at parent holding company — SEC Form 3/4/5 disclosures
| Name | Role | Title |
|---|---|---|
| Wilkerson Aubrey M. | CEO | CEO |
| Campbell Lisa F | CFO | EVP/CFO |
| Hayslett Neil W | COO | Exec. Vice Pres & COO |
| Fitzwater Ellen R | CHR | Chairman of the Board |
| Black Barton E. | PRES | President |
Capital & Liquidity
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Farmers & 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 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Similar banks
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Frequently asked about Farmers & Merchants Bank
What are Farmers & Merchants Bank's total assets?
As of the Q1 2026 filing, Farmers & Merchants Bank reported total assets of $1.41 billion in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Bank headquartered?
Farmers & Merchants Bank is headquartered in TIMBERVILLE, VA, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Bank founded?
Farmers & Merchants Bank was established in 1908, per the FDIC institution directory.
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is an FDIC-insured commercial bank (FDIC Certificate #8668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank?
Farmers & Merchants Bank's primary federal regulator is the FED. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers & Merchants Bank's CET1 capital ratio?
Farmers & Merchants Bank reported a Common Equity Tier 1 (CET1) capital ratio of 13.18% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers & Merchants Bank operate?
Farmers & Merchants Bank operates 15 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers & Merchants Bank's Texas Ratio?
Farmers & Merchants Bank's Texas Ratio is 8.93% — 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.
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