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 The Farmers & Merchants Bank
The Farmers & Merchants Bank
| RSSD ID 291732 | CERTIFICATE 1745 | ABA NUMBER 62204378 |
| 320 Main St |
Quarter Ended : |
2025-12-31 |
| Waterloo, Alabama, 35677 |
Updated : |
2026-02-06 |
| www.fmbal.com |
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| Institution Profile |
| Year Opened : |
1914 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
2 |
Number of Employees : |
8 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 100,066 |
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Total Interest Income | 3,245 |
| Total Liabilities | 88,575 |
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Total NonInterest Income | 173 |
| Total Bank Equity Capital | 11,491 |
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Total Interest Expense | 1,953 |
| Total Deposits | 88,057 |
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Total NonInterest Expense | 1,298 |
| Net Loans & Leases | 5,205 |
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Net Income | 156 |
| Loan Loss Allowance | 188 |
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Net Charge Offs | (2) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 5,736 |
| Total assets for the leverage ratio | 106,376 |
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Loans secured by real estate: | 1,394 |
| Tier 1 Leverage Ratio | 16.72 |
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Commercial and industrial loans | 1,371 |
| Off Balance Sheet Exposures (%) | 1.08 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 1,334 |
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:· The Farmers & Merchants Bank
