Bank call report · Burlington, IA
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 347 reported line items, schedule by schedule (772 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 | 888141 |
| FDIC certificate number | 13737 |
| Total assets | $208.2M |
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 (22 items)
About Schedule RC · Farmers & Merchants Bank & Trust balance sheet trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Assets | RCON2170 | $208.2M |
| Total Liabilities, Limited-life Preferred Stock, and Equity Capital | RCON3300 | $208.2M |
| Total Liabilities and Minority Interest | RCON2948 | $190.6M |
| Total Deposits | RCON2200 | $187.0M |
| Total Interest-bearing Deposits in Foreign and Domestic Offices | RCON6636 | $162.1M |
| Loans and Leases, Net of Unearned Income - Totals | RCONB528 | $128.7M |
| Loans and Leases, Net of Unearned Income and Allowance | RCONB529 | $126.7M |
| Available-for-sale debt securities (from Schedule RC-B, column D) | RCON1773 | $60.1M |
| Deposits: Noninterest-bearing | RCON6631 | $24.9M |
| Total Equity Capital | RCON3210 | $17.6M |
| Total Equity Capital Including Noncontrolling Minority Interests in Consolidated Subsidiaries | RCONG105 | $17.6M |
| Surplus | RCON3839 | $15.2M |
| Other Assets | RCON2160 | $13.9M |
| Undivided Profits and Capital Reserves | RCON3632 | $6.5M |
| Accumulated Other Comprehensive Income | RCONB530 | -$4.7M |
| Premises and Fixed Assets (Including Capitalized Leases) | RCON2145 | $3.2M |
| Interest-bearing Balances | RCON0071 | $2.2M |
| Other Borrowed Money | RCON3190 | $2.1M |
| Noninterest-bearing Balances and Currency and Coin | RCON0081 | $2.0M |
| Allowance for Loan and Lease Losses | RCON3123 | $2.0M |
| Other Liabilities, Total | RCON2930 | $1.5M |
| Common Stock | RCON3230 | $600K |
Schedule RI: Income Statement (37 items)
About Schedule RI · Farmers & Merchants Bank & Trust income statement trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Noninterest Expense | RIAD4093 | $4.1M |
| Total Interest Income | RIAD4107 | $4.1M |
| Interest and Fee Income on Loans, Total | RIAD4010 | $3.5M |
| Net Interest Income | RIAD4074 | $3.5M |
| Total Noninterest Income | RIAD4079 | $2.0M |
| Salaries and Employee Benefits | RIAD4135 | $2.0M |
| Other Noninterest Expense | RIAD4092 | $1.7M |
| Interest and Fee Income on All Other Loans Secured by Real Estate | RIAD4436 | $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 |
| Interest and Fee Income on Loans Secured by 1-4 Family Residential Properties | RIAD4435 | $1.2M |
| Income (Loss) Before Discontinued Operations | RIAD4300 | $963K |
| Net Income (Loss) | RIAD4340 | $963K |
| Net Income (Loss) Attributable to Bank and Noncontrolling Minority Interests | RIADG104 | $963K |
| Total Interest Expense | RIAD4073 | $660K |
| Other Noninterest Income | RIADB497 | $640K |
| Expenses of Premises and Fixed Assets | RIAD4217 | $487K |
| Interest and Fee Income on All Other Loans in Domestic Offices | RIAD4058 | $469K |
| Interest and Fee Income on Loans to Finance Agricultural Production and Other Loans to Farmers in Domestic Offices | RIAD4024 | $469K |
| Savings Deposits (Including Mmdas) | RIAD0093 | $400K |
| Interest and Dividend Income on Securities: Mortgage-backed Securities | RIADB489 | $358K |
| Service Charges on Deposit Accounts in Domestic Offices | RIAD4080 | $335K |
| Applicable Income Taxes | RIAD4302 | $275K |
| Noninterest income: Fees and commissions from securities brokerage, investment banking, advisory, and underwriting activities | RIADHT73 | $237K |
| Interest and Fee Income on Commercial and Industrial Loans | RIAD4012 | $230K |
| 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 | $150K |
| Interest and Dividend Income on Securities: U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RIADB488 | $140K |
| Other Interest Expense | RIADGW44 | $136K |
| Provision for Loan and Lease Losses | RIAD4230 | $134K |
| Provisions for Credit Losses on Financial Assets | RIADJJ33 | $119K |
| Interest on Transaction Accounts (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) | RIAD4508 | $67K |
| Interest on Other Securities | RIAD4060 | $59K |
| Interest Expense, Interest on Deposits, Nontransaction Accounts, Time Deposits of 250000 or Less | RIADHK03 | $57K |
| Interest and Dividend Income on Tax-exempt Securities Issued by States and Political Subdivisions in the U.S. | RIAD4507 | $53K |
| Other Interest Income | RIAD4518 | $26K |
| Interest Income on Balances Due from Depository Institutions | RIAD4115 | $13K |
| Number of Full Time Equivalent Employees on Payroll at End of Current Period | RIAD4150 | 50 |
Schedule RC-B: Securities (22 items)
About Schedule RC-B · Farmers & Merchants Bank & Trust securities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Amortized Cost of Available-for-sale Securities | RCON1772 | $65.9M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Amortized Cost | RCONHT56 | $39.4M |
| Mortgage backed securities (MBS), Issued or guarnteed by FNMA, FHLMC, or GNMA, Available for sale, Fair Value | RCONHT57 | $35.4M |
| Pledged Securities | RCON0416 | $31.6M |
| 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 | $27.8M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Amortized Cost | RCONHT52 | $21.7M |
| US government agency obligations (exclude mortgage-backed securities), Available for sale, Fair Value | RCONHT53 | $20.0M |
| 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 | $13.7M |
| Mortgage Pass-through Securities Backed by Closed-end First Lien 1-4 Family Residential Mortgages with a Remaining Maturity or Next Repricing Date of Three Months or Less | RCONA555 | $5.7M |
| Fixed Rate and Floating Rate Debt Securities with a Remaining Maturity of One Year or Less | RCONA248 | $5.2M |
| 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 | $4.4M |
| 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 Months Through 12 Months | RCONA550 | $4.2M |
| Amortized Cost of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8498 | $3.8M |
| Fair Value of Available-for-sale Securities Issued by States and Political Subdivisions in the U.S. | RCON8499 | $3.7M |
| 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 | $1.5M |
| 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 | $1.4M |
| Amortized Cost of Available-for-sale U.S. Treasury Securities | RCON1286 | $999K |
| Fair Value of Available-for-sale U.S. Treasury Securities | RCON1287 | $994K |
| 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 | $994K |
| 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 Three Years Through Five Years | RCONA558 | $501K |
| 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 | $67K |
| 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 Three Months Through 12 Months | RCONA556 | $16K |
Schedule RC-C, Part I: Loans and Leases (30 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 | $128.7M |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by First Liens | RCON5367 | $56.8M |
| 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 | $40.1M |
| Pledged Loans and Leases | RCONG378 | $37.5M |
| 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 | $23.8M |
| Fixed Rate and Floating Rate Loans and Leases with a Remaining Maturity of One Year or Less | RCONA247 | $23.3M |
| 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 | $19.4M |
| Real Estate Loans Secured by Farmland | RCON1420 | $19.0M |
| 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 Three Months or Less | RCONA570 | $17.8M |
| Loans Secured by Other Nonfarm Nonresidential Properties. | RCONF161 | $17.7M |
| Loans to Finance Agricultural Production and Other Loans to Farmers | RCON1590 | $10.7M |
| Commercial and Industrial Loans | RCON1766 | $9.5M |
| 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 Three Years Through Five Years | RCONA567 | $6.5M |
| Real Estate Loans Secured by Multi-family (5 or More) Residential Properties | RCON1460 | $6.4M |
| 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 | $6.2M |
| 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 15 Years | RCONA569 | $3.7M |
| 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 | $3.2M |
| 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 | $3.0M |
| Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit | RCON1797 | $2.2M |
| 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 | $2.1M |
| Automobile Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper) | RCONK137 | $1.9M |
| Loans Secured by Owner Occupied Nonfarm Nonresidential Properties | RCONF160 | $1.1M |
| Other Consumer Loans to Individuals for Household, Family, and Other Personal Expenditures (Includes Single Payment, Installment, and All Student Loans) | RCONK207 | $1.1M |
| Adjustable Rate Closed-end Loans Secured by First Liens on 1-4 Family Residential Properties | RCON5370 | $889K |
| All Other Loans Secured by 1-4 Family Residential Properties: Secured by Junior Liens | RCON5368 | $735K |
| Other Loans | RCONJ464 | $685K |
| 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 | $668K |
| Loans Secured by 1-4 Family Residential Construction | RCONF158 | $478K |
| Loans Secured by Other Construction Loans and All Land Development and Other Land Loans | RCONF159 | $340K |
| Loans to Individuals for Household, Family, and Other Personal Expenditures (I.e., Consumer Loans)(includes Purchased Paper): Other Revolving Credit Plans | RCONB539 | $18K |
Schedule RC-C, Part II: Loans to Small Businesses and Small Farms (24 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 | $9.4M |
| 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 | $4.6M |
| 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 | $4.0M |
| Amount Currently Outstanding of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5589 | $3.5M |
| 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 | $2.0M |
| Amount Currently Outstanding of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5565 | $1.7M |
| 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 | $1.7M |
| 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 | $1.6M |
| 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 | $1.6M |
| 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 | $1.5M |
| Amount Currently Outstanding of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5571 | $1.3M |
| 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 | $145K |
| Number of Commercial and Industrial Loans to U.S. Addressees (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5570 | 64 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5584 | 47 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5564 | 30 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $250,000 Through $1,000,000 | RCON5568 | 25 |
| Number of Loans Secured by Nonfarm Nonresidential Properties (in Domestic Offices) with Original Amounts of More Than $100,000 Through $250,000 | RCON5566 | 19 |
| 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 | 16 |
| 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 | 15 |
| Number of Loans to Finance Agricultural Production and Other Loans to Farmers (in Domestic Offices) with Original Amounts of More Than $250,000 Through $500,000 | RCON5588 | 14 |
| 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 | 13 |
| 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 | 11 |
| 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 | 9 |
| Number of Loans Secured by Farmland (Including Farm Residential and Other Improvements) (in Domestic Offices) with Original Amounts of $100,000 or Less | RCON5578 | 7 |
Schedule RC-E: Deposit Liabilities (18 items)
About Schedule RC-E · Farmers & Merchants Bank & Trust deposit liabilities trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Transaction Accounts | RCON2215 | $130.0M |
| Total Demand Deposits (See Note Below) | RCON2210 | $126.5M |
| Total Transaction Accounts - Deposits of Individuals, Partnerships, and Corporation | RCONB549 | $95.8M |
| Total Nontransaction Accounts (Including Mmda's) | RCON2385 | $57.0M |
| Total Nontransaction Accounts Deposits of Individuals, Partnerships, and Corporations | RCONB550 | $52.6M |
| Other Nontransaction Savings Deposits (Excludes Mmda's) | RCON0352 | $40.9M |
| Total Transaction Accounts - Deposits of States and Political Subdivisions in the U.S. | RCON2203 | $34.0M |
| Money Market Deposit Accounts (Mmda's) | RCON6810 | $7.0M |
| Time Deposits of 250000 or Less with a Remaining Maturity of One Year or Less | RCONHK11 | $7.0M |
| Total Time Deposits of Less Than $100,000 | RCON6648 | $6.0M |
| Total Nontransaction Accounts of States and Political Subdivisions in the U.S. | RCON2530 | $4.4M |
| 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 Three Months Through 12 Months | RCONHK08 | $4.2M |
| Components of Total Nontransaction Accounts: Total Time Deposits of $100,000 Through $250,000 | RCONJ473 | $3.1M |
| 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 | $2.8M |
| 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 | $2.0M |
| All Time and Savings Deposits Held in IRA and Keogh Plan Accounts | RCON6835 | $1.2M |
| 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 Years | RCONHK10 | $195K |
| Total Transaction Accounts - Deposits of Commercial Banks and Other Depository Institutions in the U.S. | RCONB551 | $194K |
Schedule RC-F: Other Assets (7 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Assets | RCON2168 | $5.1M |
| Prepaid Expenses | RCON2166 | $5.1M |
| Life Insurance Assets: General Account Life Insurance Assets | RCONK201 | $4.4M |
| Life Insurance Assets: Hybrid Account Life Insurance Assets | RCONK270 | $2.1M |
| Accrued Interest Receivable | RCONB556 | $1.1M |
| Net Deferred Tax Assets | RCON2148 | $1.0M |
| Historical Cost of All Other Available-for-sale Equity Securities | RCON1752 | $224K |
Schedule RC-G: Other Liabilities (4 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Other Expenses Accrued and Unpaid | RCON3646 | $1.4M |
| Allowance for Credit Losses on Off-balance Sheet Credit Exposures | RCONB557 | $52K |
| Interest Accrued and Unpaid on Deposits (in Domestic Offices) | RCON3645 | $29K |
| All Other Liabilities | RCON2938 | $12K |
Schedule RC-K: Quarterly Averages (15 items)
About Schedule RC-K · Farmers & Merchants Bank & Trust quarterly averages trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Quarterly Average of Total Assets | RCON3368 | $207.8M |
| Quarterly Average of Total Loans | RCON3360 | $127.0M |
| Transaction Accounts (in Domestic Offices) (NOW Accounts, Ats Accounts, and Telephone and Preauthorized Transfer Accounts) - Quarterly Average | RCON3485 | $111.9M |
| Quarterly Average of Loans Secured by 1-4 Family Residential Properties | RCON3465 | $59.6M |
| Nontransaction Accounts in Domestic Offices: Savings Deposits | RCONB563 | $51.3M |
| Quarterly Average of All Other Loans Secured by Real Estate | RCON3466 | $44.1M |
| Mortgage-backed Securities | RCONB559 | $40.3M |
| U.S. Treasury Securities and U.S. Government Agency Obligations (Excluding Mortgage-backed Securities) | RCONB558 | $23.0M |
| Quarterly Average of Loans to Finance Agricultural Production and Other Loans to Farmers | RCON3386 | $10.4M |
| Quarterly Average of Commercial and Industrial Loans | RCON3387 | $9.3M |
| Liabilities, Nontransaction Accounts, Time Deposits of 250000 or Less | RCONHK16 | $9.2M |
| Quarterly Average of Other Borrowed Money | RCON3355 | $4.3M |
| All Other Securities | RCONB560 | $4.0M |
| Loans to Individuals for Household, Family, and Other Personal Expenditures: Other | RCONB562 | $3.6M |
| Quarterly Average of Interest-bearing Balances Due from Depository Institutions | RCON3381 | $2.1M |
Schedule RC-L: Derivatives and Off-Balance-Sheet Items (7 items)
About Schedule RC-L · Farmers & Merchants Bank & Trust derivatives and off-balance-sheet items trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Year-to-date Merchant Credit Card Sales Volume: Sales for Which the Reporting Bank Is the Acquiring Bank | RCONC223 | $4.1M |
| Other Unused Commitments: All Other Unused Commitments | RCONJ459 | $2.8M |
| Other Unused Commitments: Commercial and Industrial Loans | RCONJ457 | $1.7M |
| Unused Commitments - Revolving, Open-end Lines Secured by 1-4 Family Residential Properties | RCON3814 | $859K |
| Commercial Real Estate, Other Construction Loan and Land Development Loan Commitments | RCONF165 | $665K |
| 1-4 Family Residential Construction Loan Commitments | RCONF164 | $444K |
| Financial Standby Letters of Credit and Foreign Office Guarantees | RCON3819 | $300K |
Schedule RC-M: Memoranda (3 items)
About Schedule RC-M · Farmers & Merchants Bank & Trust memoranda trends
| Line item | Code | Q2 2026 |
|---|---|---|
| FHLB Advances (Loans) Due in One Year or Less | RCON2651 | $2.1M |
| FHLB Advances: Advances with a Remaining Maturity or Next Repricing Date of One Year or Less | RCONF055 | $2.1M |
| Aggregate Amount of All Extensions of Credit to All Executive Officers, Directors, Principal Shareholders, and Their Related Interests | RCON6164 | $1.2M |
Schedule RC-N: Past Due and Nonaccrual Loans, Leases, and Other Assets (15 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 | $4.8M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Multifamily (5 or More) Residential Properties - Past Due 30 Through 89 Days and Still Accruing | RCON3499 | $2.9M |
| Total Loans and Lease Finance Receivables: Nonaccrual | RCON1403 | $2.1M |
| Additions to Nonaccrual Assets | RCONC410 | $1.1M |
| Loans Secured by Real Estate (in Domestic Offices): Secured by Farmland - Nonaccrual | RCON3495 | $938K |
| Loans Secured by Other Nonfarm Nonresidential Properties, 30-89 Days Past Due | RCONF179 | $881K |
| All Other Loans - Past Due 30 Through 89 Days and Still Accruing | RCON5459 | $785K |
| Commercial and Industrial Loans - Nonaccrual | RCON1608 | $670K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-nonaccural | RCONC229 | $417K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens-past Due 30 Thru 89 Days and Still Accruing | RCONC236 | $263K |
| Loans Secured by 1-4 Family Residential Properties: Revolving, Open-end Loans Secured by 1-4 Family Residential Properties and Extended Under Lines of Credit - Nonaccrual | RCON5400 | $72K |
| All Other Loans - Nonaccrual | RCON5461 | $37K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Automobile Loans - Past Due 30 Through 89 Days and Still Accruing | RCONK213 | $16K |
| Closed-end Loans Secured by 1-4 Family Residential Properties:secured by Junior Liens-nonaccural | RCONC230 | $5K |
| Loans to Individuals for Household, Family and Other Personal Expenditures: Other - Nonaccrual | RCONK218 | $2K |
Schedule RC-O: Other Data for Deposit Insurance Assessments (10 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 | $207.8M |
| Total Deposit Liabilities as Defined in Section 3(1) of the Federal Deposit Insurance Act Before Exclusions | RCONF236 | $190.4M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of $250,000 or Less | RCONF049 | $123.9M |
| Amount of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF051 | $65.0M |
| Average Tangible Equity for the Calendar Quarter | RCONK654 | $22.3M |
| Amount of Retirement Deposits Accounts of $250,000 or Less | RCONF045 | $1.5M |
| Number of Deposit Accounts (Excluding Retirement Accounts)of $250,000 or Less | RCONF050 | 11,002 |
| Number of Retirement Deposit Accounts of $250,000 or Less | RCONF046 | 246 |
| Number of Deposit Accounts (Excluding Retirement Accounts) of More Than $250,000 | RCONF052 | 79 |
| Averaging Method Used | RCONK653 | 1 |
Schedule RC-R: Regulatory Capital (2 items)
About Schedule RC-R · Farmers & Merchants Bank & Trust regulatory capital trends
Schedule RC-R, Part I: Regulatory Capital Components and Ratios (27 items)
About Schedule RC-R, Part I · Farmers & Merchants Bank & Trust regulatory capital components and ratios trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Average total consolidated assets | RCOAKW03 | $207.8M |
| Average Total Assets (Net of Deductions) | RCOAA224 | $207.8M |
| Risk-weighted Assets (Net of Allowances and Other Deductions) | RCOAA223 | $129.5M |
| Total Qualifying Capital Allowable Under the Risk-based Capital Guidelines | RCOA3792 | $23.9M |
| Subtotal of Common Equity Tier 1 Capital: Adjustments and Deductions | RCOAP852 | $22.3M |
| Common Equity Tier 1 Capital | RCOAP859 | $22.3M |
| Tier 1 Capital Allowable Under the Risk-based Capital Guidelines | RCOA8274 | $22.3M |
| Common Equity Tier 1 Capital Before Adjustments and Deductions | RCOAP840 | $17.6M |
| Common Equity Tier 1 Capital: Common Stock Plus Related Surplus, Net of Treasury Stock and Unearned Employee Stock Ownership Plan (ESOP) Shares | RCOAP742 | $15.8M |
| Retained Earnings | RCOAKW00 | $6.5M |
| Accumulated Other Comprehensive Income | RCOAB530 | -$4.7M |
| 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 | -$4.4M |
| General Loan and Lease Valuation Allowances | RCOA5310 | $1.6M |
| Tier 2 (Supplementary) Capital | RCOA5311 | $1.6M |
| Tier 2 Capital Before Deductions | RCOAP870 | $1.6M |
| Less: Amounts Recorded in AOCI Attributed to Defined Benefit Postretirement Plans Resulting from the Initial and Subsequent Application of the Relevant GAAP Standards That Pertain to Such Plans (If a Gain, Report as a Positive Value, If a Loss, Report as a Negative Value) | RCOAP847 | -$327K |
| Less: Deductions from Common Equity Tier 1 Capital and Additional Tier 1 Capital (Sum of Items 6, 7, 8, 10.B, 11, 13 Through 17 and Certain Elements of Item 24 - See Instructions) | RCOAP875 | $14K |
| Additional Tier 1 Capital Deductions | RCOAP864 | $8K |
| Deductions Applied to Common Equity Tier 1 Capital Due to Insufficient Amounts of Additional Tier 1 Capital and Tier 2 Capital to Cover Deductions | RCOAP857 | $8K |
| Total Adjustments and Deductions for Common Equity Tier 1 Capital | RCOAP858 | $8K |
| Deferred Tax Assets (DTAS) That Arise from Net Operating Loss and Tax Credit Carryforwards, Net of Any Related Valuation Allowances and Net of Dtls | RCOAP843 | $6K |
| A. AOCI Opt-out Election (Enter '1' for Yes, Enter '0' for No.) | RCOAP838 | 1 |
| Total Risk-based Capital Ratio | RCOA7205 | 0.1848 |
| Common Equity Tier 1 Capital Ratio | RCOAP793 | 0.1722 |
| Tier 1 Risk-based Capital Ratio | RCOA7206 | 0.1722 |
| Tier 1 Leverage Capital Ratio | RCOA7204 | 0.1073 |
| Institution-specific Capital Buffer Necessary to Avoid Limitations on Distributions and Discretionary Bonus Payments: Capital Conservation Buffer | RCOAH311 | 0.1048 |
Schedule RC-R, Part II: Risk-Weighted Assets (54 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 | $129.9M |
| Total Risk-weighted Assets | RCONG641 | $129.5M |
| Risk-weighted Assets by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG637 | $80.4M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 100 Pct Risk Weight Category | RCONG633 | $80.4M |
| Total Balance Sheet Assets - 100 Pct Risk Weight Category | RCOND990 | $78.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG631 | $63.7M |
| Total Balance Sheet Assets - 20 Pct Risk Weight Category | RCOND988 | $63.7M |
| Total Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures | RCONS439 | $63.5M |
| Available-for-sale Securities - 20 Pct Risk Weight Category | RCOND968 | $63.2M |
| Loans and Leases, Net of Unearned Income, All Other Exposures - 100 Pct Risk Weight Category | RCONS462 | $63.2M |
| Total Loans and Leases, Net of Unearned Income, All Other Exposures | RCONS457 | $63.2M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG632 | $63.2M |
| Total Balance Sheet Assets - 50 Pct Risk Weight Category | RCOND989 | $63.2M |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 50 Pct Risk Weight Category | RCONS442 | $63.1M |
| Available-for-sale debt securities and equity securities with readily determinable fair values not held for trading purposes, Total Fair Value | RCONJA21 | $60.1M |
| Risk-weighted Assets by Risk-weighted Category - 50 Pct Risk Weight Category | RCONG636 | $31.6M |
| Total All Other Assets | RCOND981 | $17.1M |
| All Other Assets - 100 Pct Risk Weight Category | RCOND985 | $14.5M |
| Risk-weighted Assets by Risk-weighted Category - 20 Pct Risk Weight Category | RCONG635 | $12.7M |
| Total Balance Sheet Assets - Adjustments to Total Reported in Column a | RCONS500 | -$7.7M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 0 Pct Risk Weight Category | RCONG630 | $6.9M |
| Total Balance Sheet Assets - 0 Pct Risk Weight Category | RCOND987 | $6.9M |
| Available-for-sale Securities - Adjustment to Totals Reported in Column a | RCONS402 | -$5.8M |
| Total Cash and Balances Due from Depository Institutions | RCOND957 | $4.3M |
| Cash and Balances Due from Depository Institutions - 0 Pct Risk Weight Category | RCOND958 | $4.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Face, Notional or Other Amount | RCONS525 | $4.0M |
| Risk-weighted Assets by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS572 | $3.0M |
| Available-for-sale Securities - 0 Pct Risk Weight Category | RCOND967 | $2.7M |
| Unused Commitments, Original Maturity Exceeding One Year - Face, Notional, or Other Amount | RCONG624 | $2.4M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Exposure Amount | RCONH296 | $2.1M |
| All Other Assets, Separate Account Bank-owned Life Insurance - Application of Other Risk Weighting Approaches Risk-weighted Asset Amount | RCONH297 | $2.1M |
| Total Balance Sheet Assets - Other Risk Weighting Approaches Exposure Amount | RCONH300 | $2.1M |
| Total Assets, Derivatives, Off-balance Sheet Items and Other Items Subjet to Risk Weighting by Risk-weighted Category - 150 Pct Risk Weight Category | RCONS561 | $2.0M |
| Total Balance Sheet Assets - 150 Pct Risk Weight Category | RCONS503 | $2.0M |
| Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual - 150 Pct Risk Weight Category | RCONS455 | $1.7M |
| Total Loans and Leases, Net of Unearned Income, Exposures Past Due 90 Days or More or on Nonaccrual | RCONS449 | $1.7M |
| Unused Commitments, Original Maturity Exceeding One Year - 100 Pct Risk Weight Category | RCONG629 | $1.2M |
| Unused Commitments, Original Maturity Exceeding One Year - Credit Equivalent Amount | RCONG625 | $1.2M |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, 100% | RCONS530 | $807K |
| Unused Commitments, Original Maturity of One Year or Less, Excludes Unused Commitments to Asset Backed Commercial Paper Conduits, Credit Equivalent Amount | RCONS526 | $807K |
| Loans and Leases, Net of Unearned Income, Residential Mortgage Exposures - 100 Pct Risk Weight Category | RCONS443 | $417K |
| All Other Assets - 20 Pct Risk Weight Category | RCOND983 | $369K |
| Financial Standby Letters of Credit - 100 Pct Risk Weight Category | RCOND996 | $300K |
| Financial Standby Letters of Credit - Credit Equivalent Amount | RCOND992 | $300K |
| Financial Standby Letters of Credit - Face, Notional, or Other Amount | RCOND991 | $300K |
| Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures - 150 Pct Risk Weight Category | RCONS447 | $295K |
| Total Loans and Leases, Net of Unearned Income, High Volatility Commercial Real Estate Exposures | RCONS445 | $295K |
| All Other Assets - 50 Pct Risk Weight Category | RCOND984 | $121K |
| Cash and Balances Due from Depository Institutions - 20 Pct Risk Weight Category | RCOND959 | $69K |
| All Other Assets - Adjustments to Totals Reported in Column a | RCONS469 | $14K |
| All Other Assets - 0 Pct Risk Weight Category | RCOND982 | $6K |
| Off-balance Sheet Securitization Exposures - Adjustments to Total Reported in Column a | RCONS496 | $1K |
| Off-balance Sheet Securitization Exposures - Ssfa Risk Weight Exposure, by Calculation Method | RCONS498 | $1K |
| Total Off-balance Sheet Securitization Exposures | RCONS495 | $1K |
Schedule RC-T: Fiduciary and Related Services (32 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Fiduciary Accounts - Managed Assets | RCONB894 | $205.5M |
| Investment Management Agency Accounts - Managed Assets | RCONB886 | $93.1M |
| Personal Trust and Agency Accounts - Managed Assets | RCONB868 | $67.4M |
| Total Fiduciary Accounts - Non-managed Assets | RCONB895 | $46.3M |
| Personal Trust and Agency Accounts - Non-managed | RCONB869 | $41.3M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Managed Assets | RCONJ259 | $24.9M |
| Other Retirement Accounts - Managed Assets | RCONB880 | $24.9M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Managed Assets | RCONJ255 | $12.7M |
| Employee Benefit-defined Contribution - Managed Assets | RCONB872 | $7.5M |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Non-managed Asset | RCONJ260 | $3.5M |
| Other Retirement Accounts - Non-managed Assets | RCONB881 | $3.5M |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Non-managed Assets | RCONJ256 | $1.5M |
| Income from Fiduciary Activities | RIAD4070 | $814K |
| Personal Trust and Agency Accounts | RIADB904 | $391K |
| Fiduciary and Related Services Income-investment Management and Investment Advisory Agency Accounts | RIADJ315 | $272K |
| Other Retirement Accounts | RIADB907 | $105K |
| Fiduciary and Related Services Income-foundation and Endowment Trust and Agency Accounts | RIADJ316 | $43K |
| Custody and Safekeeping Accounts | RIADB909 | $3K |
| Total Fiduciary Accounts - Non-managed Accounts | RCONB897 | 302 |
| Total Fiduciary Accounts - Number of Managed Accounts | RCONB896 | 301 |
| Personal Trust and Agency Accounts - Number of Non-managed Accounts | RCONB871 | 237 |
| Personal Trust and Agency Accounts - Number of Managed Accounts | RCONB870 | 136 |
| Investment Management Agency Accounts - Number of Managed Accounts | RCONB888 | 70 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Managed Accounts | RCONJ261 | 65 |
| Other Retirement Accounts - Number of Managed Accounts | RCONB882 | 65 |
| Fiduciary and Related Assets:individual Retirement Accounts, Health Savings Accounts, and Other Similar Accounts - Number of Non-managed Accounts | RCONJ262 | 51 |
| Other Retirement Accounts - Number of Non-managed Accounts | RCONB883 | 51 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Managed Accounts | RCONJ257 | 29 |
| Fiduciary and Related Assets:foundation and Endowment Trust and Agency Accounts - Number of Non-managed Accounts | RCONJ258 | 10 |
| Corporate Trust and Agency Accounts - Number of Non-managed Accounts | RCONC002 | 4 |
| Custody and Safekeeping Accounts - Number of Non-managed Accounts | RCONB899 | 1 |
| Employee Benefit-defined Contribution - Number of Managed Accounts | RCONB874 | 1 |
Schedule RI-A: Changes in Bank Equity Capital (5 items)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Equity Capital | RIAD3210 | $17.6M |
| Balance End of Previous Calendar Year as Restated | RIADB508 | $16.6M |
| Equity Capital, Most Recently Reported for the End of Previous Calendar Year (I.e., After Adjustments from Amended Reports of Income) | RIAD3217 | $16.6M |
| Other Comprehensive Income | RIADB511 | $227K |
| Cash Dividends Declared on Common Stock | RIAD4460 | $189K |
Schedule RI-B, Part I: Charge-offs and Recoveries on Loans and Leases (8 items)
About Schedule RI-B, Part I · Farmers & Merchants Bank & Trust charge-offs and recoveries on loans and leases trends
| Line item | Code | Q2 2026 |
|---|---|---|
| Charge-offs on Allowance for Loan and Lease Losses | RIAD4635 | $10K |
| Charge-offs on Closed-end Loans by 1-4 Family Residential Properties:secured by First Liens | RIADC234 | $7K |
| Recoveries on Allowance for Loan and Lease Losses | RIAD4605 | $7K |
| Charge-offs on Automobile Loans | RIADK129 | $3K |
| Recoveries on Loans Secured by Farmland | RIAD3585 | $3K |
| Recoveries on Commercial and Industrial Loans | RIAD4608 | $2K |
| Recoveries All Other (Includes Single Payment, Installment, All Student Loans, and Revolving Credit Plans Other Than Credit Cards) | RIADK206 | $1K |
| Recoveries on Closed-end Loans Secured by 1-4 Family Residential Properties:secured by First Liens | RIADC217 | $1K |
Schedule RI-B, Part II: Changes in Allowances for Credit Losses (4 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 | $2.0M |
| Balance Most Recently Reported for the December 31, 2000, Reports of Condition and Income(i.e., After Adjustments from Amended Report of Income) | RIADB522 | $1.8M |
| Provisions for credit losses on off-balance-sheet exposures | RIADMG93 | -$15K |
| Charge-offs on Allowance for Loan and Lease Losses | RIADC079 | $10K |
Schedule SU: Supplemental Information (1 item)
| Line item | Code | Q2 2026 |
|---|---|---|
| Total Outstanding Principal Balance of Assets Sold by the Reporting Institution with Recourse or Other Seller Provided Credit Enhancements, But Not Securitized by the Reporting Institution | RCONFT10 | $38K |
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 888141 and FDIC certificate number 13737. 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 13737) · FFIEC NIC profile (RSSD 888141)