Branch Network
Farmers & Merchants Bank Locations & Branches Timberville, Virginia
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Farmers & Merchants Bank operates 16 branches from its headquarters in Timberville, VA, .
Farmers & Merchants Bank branch network
All 16 branches are in VIRGINIA, across 12 cities. Winchester, VA has the most of its branches, 3. Its largest office by deposits is the Bridgewater Branch office in Bridgewater, VA, with $199.9M (15.8% of its branch deposits). On June 30, 2025 it had 15 branches, 1 fewer than in 2026.
Farmers & Merchants Bank at a glance
Its CET1 capital ratio was 13.50% at Q2 2026, comfortably above the 7% level required once the capital conservation buffer is included.
- Total assets, Q2 2026
- $1.40B
- CET1 ratio, Q2 2026
- 13.50%
- Deposit insurance
- FDIC
- Regulator
- Federal Reserve
- Latest call report
- Q2 2026, FFIEC 041
- Established
- 1908
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: Timberville, VA (1 branch) | 1 of 1 | 100.0% | $182.9M |
| State: VA (16 branches) | 29 of 102 | 0.4% | $1.27B |
Ranked by total assets among banks headquartered in the state: Largest banks in Virginia.
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 |
|---|---|---|---|---|
| Rockingham, VA (5 branches) | 1 of 8 | 56.2% | $810.3M | $1.44B |
| Shenandoah, VA (2 branches) | 3 of 6 | 17.3% | $174.7M | $1.01B |
| Harrisonburg City, VA (1 branch) | 7 of 14 | 5.3% | $108.7M | $2.06B |
| Augusta, VA (2 branches) | 4 of 7 | 13.1% | $56.1M | $427.6M |
| Staunton City, VA (1 branch) | 5 of 11 | 4.1% | $50.5M | $1.23B |
| Winchester City, VA (3 branches) | 8 of 10 | 2.5% | $42.3M | $1.68B |
| Waynesboro City, VA (1 branch) | 8 of 9 | 3.2% | $24.3M | $763.1M |
| Fauquier, VA (1 branch) | 10 of 10 | <0.1% | $5K | $2.31B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Harrisonburg, VA (6 branches) | 1 of 15 | 26.2% | $919.0M | $3.50B |
| Staunton, VA (4 branches) | 5 of 14 | 5.4% | $130.9M | $2.42B |
| Winchester, VA-WV (3 branches) | 12 of 13 | 1.2% | $42.3M | $3.53B |
| Washington-Arlington-Alexandria, DC-VA-MD-WV (1 branch) | 66 of 71 | <0.1% | $5K | $303.89B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Bridgewater Branch | Bridgewater, VA | 22812 | $199.9M |
| Farmers & Merchants Bank (main office) | Timberville, VA | 22853 | $182.9M |
| Crossroads Branch | Harrisonburg, VA | 22801 | $156.1M |
| Elkton Branch | Elkton, VA | 22827 | $136.1M |
| Broadway Branch | Broadway, VA | 22815 | $135.3M |
| Legacy Branch | Harrisonburg, VA | 22801 | $108.7M |
| Edinburg Branch | Edinburg, VA | 22824 | $95.8M |
| Woodstock Branch | Woodstock, VA | 22664 | $78.9M |
| North Augusta Branch | Staunton, VA | 24401 | $50.5M |
| Myers Corner Branch | Staunton, VA | 24401 | $35.2M |
| Winchester Downtown Branch | Winchester, VA | 22601 | $32.7M |
| Waynesboro Branch | Waynesboro, VA | 22980 | $24.3M |
| Stuarts Draft Branch | Stuarts Draft, VA | 24477 | $20.8M |
| Amherst Branch | Winchester, VA | 22601 | $9.6M |
| Warrenton Branch | Warrenton, VA | 20186 | $5K |
| Winchester Branch | Winchester, VA | 22601 | $0 |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 8668) · FFIEC NIC profile (RSSD 713926)