Bank call report · Marinette, WI
Farmers & Merchants Bank & Trust Call Report
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Farmers & Merchants Bank & Trust filed its latest call report for the quarter ended June 30, 2026 on the FFIEC 051. Below are its 300 reported line items, schedule by schedule (751 items filed as zero are left out). The official PDF is on the FFIEC Central Data Repository.
| Call report form | FFIEC 051 |
|---|---|
| Latest quarter filed | Q2 2026 (June 30, 2026) |
| Federal Reserve RSSD ID | 672247 |
| FDIC certificate number | 10382 |
| Total assets | $175.1M |
Official Q2 2026 call report PDF (FFIEC) →
Farmers & Merchants Bank & Trust call report by schedule, Q2 2026
Dollar amounts are as filed, in the units the form uses. Each line item links to its definition; each schedule links to the full schedule reference for the FFIEC 051.
Schedule RC: Balance Sheet (24 items)
About Schedule RC · Farmers & Merchants Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $175.1M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $175.1M |
| Total Liabilities and Minority Interest | RCON2948 | $158.6M |
| Total Deposits | RCON2200 | $149.4M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $124.9M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $123.6M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $123.3M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $42.5M |
| Deposits: Noninterest-bearing | RCON6631 | $26.1M |
| Total Equity Capital | RCON3210 | $16.5M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $16.5M |
| Undivided Profits and Capital Reserves | RCON3632 | $14.4M |
| Other Borrowed Money | RCON3190 | $8.5M |
| Surplus | RCON3839 | $4.4M |
| Accumulated Other Comprehensive Income | RCONB530 | -$3.5M |
| Other Assets | RCON2160 | $3.5M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.6M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $1.4M |
| Allowance for Loan and Lease Losses | RCON3123 | $1.3M |
| Common Stock | RCON3230 | $1.1M |
| Federal Funds Sold | RCONB987 | $733K |
| Other Liabilities, Total | RCON2930 | $704K |
| Interest-bearing Balances | RCON0071 | $616K |
| Other Real Estate Owned | RCON2150 | $101K |
Schedule RI: Income Statement (38 items)
About Schedule RI · Farmers & Merchants Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Interest Income | RIAD4107 | $4.8M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $4.1M |
| Net Interest Income | RIAD4074 | $3.6M |
| Total Noninterest Expense | RIAD4093 | $2.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $1.8M |
| Salaries and Employee Benefits | RIAD4135 | $1.6M |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.5M |
| Income (Loss) Before Applicable Income Taxes and Discontinued Operations | RIAD4301 | $1.2M |
| Income (loss) before change in net unrealized holding gains (losses) on equity securities not held for trading, applicable income taxes, and discontinued operations operations (item 3 plus or minus items 4, 5.m, 6.a, 6.b, and 7.e) | RIADHT69 | $1.2M |
| Total Interest Expense | RIAD4073 | $1.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $960K |
| Net Income (Loss) | RIAD4340 | $960K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $960K |
| Other Noninterest Expense | RIAD4092 | $869K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $666K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $468K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $419K |
| Total Noninterest Income | RIAD4079 | $293K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $240K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $234K |
| Other Interest Expense | RIADGW44 | $223K |
| Applicable Income Taxes | RIAD4302 | $216K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $168K |
| Other Noninterest Income | RIADB497 | $154K |
| Interest on Other Securities | RIAD4060 | $118K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of More Than 250000 | RIADHK04 | $101K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $97K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $75K |
| Provision for Loan and Lease Losses | RIAD4230 | $58K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADB486 | $54K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $46K |
| Interest Income on Federal Funds Sold and Securities Purchased Under Agreements to Resell | RIAD4020 | $33K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $23K |
| Other Interest Income | RIAD4518 | $23K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $9K |
| Net Gains (Losses) on Sales of Loans | RIAD5416 | $9K |
| Expense of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RIAD4180 | $3K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 41 |
Schedule RC-B: Securities (21 items)
About Schedule RC-B · Farmers & Merchants Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Amortized Cost | RCONG314 | $20.3M |
| Mortgage-backed Securities (MBS): Other Residential MBS (Include Cmos, REMICS, and Stripped MBS): Issued or Guaranteed by FNMA, FHLMC, or GNMA - Available-for-sale Fair Value | RCONG315 | $18.3M |
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $47.4M |
| Pledged Securities | RCON0416 | $12.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $12.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF OVER THREE YEARS | RCONA562 | $11.7M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $11.0M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $10.5M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $10.1M |
| OTHER MORTGAGE-BACKED SECURITIES (INCLUDE CMOs, REMICs, AND STRIPPED MBS) WITH AN EXPECTED AVERAGE LIFE OF THREE YEARS OR LESS | RCONA561 | $6.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through 15 Years | RCONA559 | $6.4M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Years Through Five Years | RCONA552 | $6.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA551 | $4.3M |
| Amortized Cost of Other Available-for-sale Domestic Debt Securities | RCON1739 | $4.0M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over 15 Years | RCONA560 | $4.0M |
| Fair Value of Other Available-for-sale Domestic Debt Securities | RCON1741 | $3.6M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Five Years Through Fifteen Years | RCONA553 | $2.3M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $1.1M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONA550 | $1.0M |
| Securities Issued by the U.S. Treasury, U.S. Government Agencies, and States and Political Subdivisions in the U.S., Other Non-mortgage Debt Securities, and Mortgage Pass-through Securities Other Than Those Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months of Less | RCONA549 | $80K |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONA557 | $62K |
Schedule RC-C, Part I: Loans and Leases (29 items)
About Schedule RC-C, Part I · Farmers & Merchants Bank & Trust loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Leases, Net of Unearned Income | RCON2122 | $124.9M |
| Pledged Loans and Leases | RCONG378 | $86.6M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $43.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA572 | $43.0M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $36.3M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $35.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over One Year Through Three Years | RCONA566 | $22.6M |
| Commercial and Industrial Loans | RCON1766 | $20.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA570 | $13.4M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA571 | $13.2M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $11.3M |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $11.0M |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA573 | $10.3M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Years Through Five Years | RCONA567 | $9.1M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Three Months Through 12 Months | RCONA565 | $6.7M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $4.9M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Three Months or Less | RCONA564 | $3.0M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $2.8M |
| Real Estate Loans Secured by Farmland | RCON1420 | $2.5M |
| Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA568 | $1.8M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $1.5M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $1.0M |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $787K |
| All Loans and Leases Other Than Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties (in Domestic Offices) with a Remaining Maturity or Repricing Frequency of Over Five Years Through 15 Years | RCONA574 | $658K |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $393K |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $354K |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $342K |
| Other Loans | RCONJ464 | $6K |
| Revolving, open-end lines of credit secured by 1-4 family residential properties that have converted to non-revolving closed-end status that are included in item 1.c(1) above | RCONLE75 | $4K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (22 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5569 | $20.8M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5575 | $7.6M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $7.4M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5567 | $5.1M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $4.2M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5573 | $2.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5583 | $1.8M |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5581 | $512K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5585 | $216K |
| Amount Currently Outstanding of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5579 | $154K |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5587 | $138K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 104 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 37 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5572 | 24 |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5574 | 22 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5582 | 5 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5580 | 4 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 4 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 2 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5586 | 1 |
Schedule RC-E: Deposit Liabilities (23 items)
About Schedule RC-E · Farmers & Merchants Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $92.1M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $91.2M |
| Total Transaction Accounts | RCON2215 | $57.3M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $43.1M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $31.3M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $27.7M |
| Total Demand Deposits (See Note Below) | RCON2210 | $26.1M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $19.5M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $14.5M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $14.2M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK08 | $11.9M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $11.6M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK07 | $7.6M |
| Components of Total Nontransaction Accounts: Total Time Deposits of More Than $250,000 | RCONJ474 | $7.0M |
| Time Deposits of More Than $250,000 with a Remaining Maturity of One or Year Less | RCONK222 | $6.4M |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK09 | $5.9M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $5.1M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over Three Months Through 12 Months | RCONHK13 | $4.1M |
| Individual Retirement Accounts (Iras) and Keogh Plan Accounts Included in Memorandum Item 2.C, 'Total Time Deposits of $100,000 or More,' Above | RCONF233 | $2.5M |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONHK12 | $2.4M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $973K |
| Maturity and Repricing Data for Time Depoits of 250000 or Less, Time Deposits of 250000 or Less with a Remaining Maturity or Next Repricing Date of Over Three Years | RCONHK10 | $780K |
| Maturity and Repricing Data for Time Depoits of More Than 250000, Time Deposits of More Than 250000 with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONHK14 | $591K |
Schedule RC-F: Other Assets (6 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $1.6M |
| Net Deferred Tax Assets | RCON2148 | $1.0M |
| Other Assets | RCON2168 | $542K |
| Accrued Interest Receivable | RCONB556 | $297K |
| Prepaid Expenses | RCON2166 | $225K |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $71K |
Schedule RC-G: Other Liabilities (3 items)
Schedule RC-K: Quarterly Averages (16 items)
About Schedule RC-K · Farmers & Merchants Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $179.3M |
| Quarterly Average of Total Loans | RCON3360 | $122.2M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $60.8M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $59.2M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $44.7M |
| Mortgage-backed Securities | RCONB559 | $32.5M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $28.9M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $25.3M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $16.3M |
| All Other Securities | RCONB560 | $15.5M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $9.6M |
| Liabilities, Nontransaction Accounts, Time Deposits of More Than 250000 | RCONHK17 | $7.0M |
| Quarterly Average of Federal Funds Sold and Securities Purchased Under Agreements to Resell | RCON3365 | $2.6M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $757K |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $629K |
| Quarterly Average of Federal Funds Purchased and Securities Sold Under Agreements to Repurchase | RCON3353 | $115K |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (6 items)
About Schedule RC-L · Farmers & Merchants Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $8.1M |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $2.8M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $2.7M |
| Performance Standby Letters of Credit | RCON3821 | $728K |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $696K |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $101K |
Schedule RC-M: Memoranda (6 items)
About Schedule RC-M · Farmers & Merchants Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of Over One Year Through Three Years | RCONF056 | $7.0M |
| FHLB Advances: Structured Advances | RCONF059 | $3.0M |
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $1.5M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $1.5M |
| All Other Real Estate Owned: Construction and Land Development in Domestic Offices | RCON5508 | $101K |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $70K |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (11 items)
About Schedule RC-N · Farmers & Merchants Bank & Trust past due and nonaccrual loans, leases, and other assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Loans and Lease Financing Receivables: Past Due 30-89 Days and Still Accruing | RCON1406 | $1.8M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $1.1M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF178 | $954K |
| Loans Secured by Owner-occupied Nonfarm Nonresidential Properties, Nonaccrual | RCONF182 | $648K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $616K |
| Loans Secured by Other Nonfarm Nonresidential Properties, Nonaccrual | RCONF183 | $294K |
| Commercial and Industrial Loans - Past Due 30-89 Days and Still Accruing | RCON1606 | $267K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $175K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Nonaccrual | RCONK215 | $20K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $5K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (12 items)
About Schedule RC-O · Farmers & Merchants Bank & Trust other data for deposit insurance assessments trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Consolidated Total Assets for the Calendar Quarter | RCONK652 | $180.0M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $149.8M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $93.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $51.2M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $19.9M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $4.3M |
| Amount of Retirement Deposit Accounts of More Than $250,000 | RCONF047 | $869K |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 7,241 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 182 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 56 |
| Number of Retirement Deposit Accounts of More Than $250,000 | RCONF048 | 2 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (1 item)
About Schedule RC-R · Farmers & Merchants Bank & Trust regulatory capital trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets Before Deductions for Excess Allowance for Loan and Lease Losses and Allocated Transfer Risk Reserve - 100% | RCONB704 | $125.2M |
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (21 items)
About Schedule RC-R, Part I · Farmers & Merchants Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average Total Assets (Net of Deductions) | RCOAA224 | $179.3M |
| Average total consolidated assets | RCOAKW03 | $179.3M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $125.2M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $21.7M |
| Common Equity Tier 1 Capital | RCOAP859 | $20.4M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $20.4M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $20.4M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $16.5M |
| Retained Earnings | RCOAKW00 | $14.4M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $5.6M |
| Less: Net Unrealized Gains (Losses) on Available-for-sale Debt Securities (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP844 | -$3.9M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$3.5M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.4M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.4M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.4M |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1735 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1626 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1626 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1136 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.0935 |
Schedule RC-R, Part II: Risk-Weighted Assets (52 items)
About Schedule RC-R, Part II · Farmers & Merchants Bank & Trust risk-weighted assets trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Risk-weighted Assets for Purposes of Calculating the Allowance for Loan and Lease Losses 1.25 Percent Threshold | RCONS580 | $125.2M |
| Total Risk-weighted Assets | RCONG641 | $125.2M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $94.3M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $94.3M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $87.8M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $75.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $74.0M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $48.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $43.7M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $43.7M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $43.2M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $42.5M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $37.8M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $37.8M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $34.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $21.9M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $10.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $10.9M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $10.9M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $8.8M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $7.6M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$6.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $5.5M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $5.4M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $5.4M |
| Total All Other Assets | RCOND981 | $5.0M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$4.9M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $4.3M |
| Available-for-sale Securities - 100 Pct Risk Weight Category | RCOND970 | $4.0M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $3.5M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $3.2M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $1.9M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $1.5M |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $1.4M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 20 Pct Risk Weight Category | RCONS460 | $1.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $967K |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $967K |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $967K |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $967K |
| Federal Funds Sold in Domestic Offices | RCOND971 | $733K |
| Federal Funds Sold in Domestic Offices - 20 Pct Risk Weight Category | RCOND973 | $733K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Face, Notional, or Other Amount | RCOND997 | $728K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $693K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $692K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $660K |
| Available-for-sale Securities - 50 Pct Risk Weight Category | RCOND969 | $518K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - 100 Pct Risk Weight Category | RCONG605 | $364K |
| Performance Standby Letters of Credit and Transaction-related Contingent Items - Credit Equivalent Amount | RCOND998 | $364K |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 0 Pct Risk Weight Category | RCONS459 | $206K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $18K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $2K |
| Cash and Balances Due from Depository Institutions - Adjustments to Totals Reported in Column a | RCONS396 | -$1K |
Schedule RC-T: Fiduciary and Related Services (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Income from Fiduciary Activities | RIAD4070 | $84K |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $16.5M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $16.1M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $16.1M |
| Cash Dividends Declared on Common Stock | RIAD4460 | $290K |
| Other Comprehensive Income | RIADB511 | -$285K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (3 items)
About Schedule RI-B, Part II · Farmers & Merchants Bank & Trust changes in allowances for credit losses trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Allowance for Loan and Lease Losses | RIAD3123 | $1.3M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.2M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | $17K |
Farmers & Merchants Bank & Trust call reports on file
Each link opens the bank's filed report on the FFIEC Central Data Repository.
- Q2 2026 call report (quarter ended June 30, 2026)
- Q1 2026 call report (quarter ended March 31, 2026)
- Q4 2025 call report (quarter ended December 31, 2025)
- Q3 2025 call report (quarter ended September 30, 2025)
- Q2 2025 call report (quarter ended June 30, 2025)
- Q1 2025 call report (quarter ended March 31, 2025)
Where can I find the Farmers & Merchants Bank & Trust call report?
The Farmers & Merchants Bank & Trust call report for the quarter ended June 30, 2026 is on this page, schedule by schedule. The official PDF is on the FFIEC Central Data Repository, linked here for every quarter on file. Call reports are public: anyone can read or download them without an account.
Which call report form does Farmers & Merchants Bank & Trust file?
Farmers & Merchants Bank & Trust files the FFIEC 051. The FFIEC 031 is for banks with foreign offices, the FFIEC 041 for banks with domestic offices only, and the FFIEC 051 is the streamlined form most domestic banks under $5 billion in total assets may file.
What is the Farmers & Merchants Bank & Trust call report number?
A call report has no number of its own. It is filed and looked up by the bank's identifiers: Farmers & Merchants Bank & Trust has Federal Reserve RSSD ID 672247 and FDIC certificate number 10382. Either one finds its filings on the FFIEC Central Data Repository.
How often does Farmers & Merchants Bank & Trust file a call report?
Every quarter, as of March 31, June 30, September 30 and December 31. The report is due 30 calendar days after the quarter ends, or 35 days for a bank with more than one foreign office.
Farmers & Merchants Bank & Trust financial reports and ratios →
New to call reports? What a call report is, every call report code explained, and how the UBPR turns it into ratios.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)