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 Farmers and Merchants Bank
Farmers and Merchants Bank
| RSSD ID 434539 | CERTIFICATE 1735 | ABA NUMBER 62204530 |
| 112 E Ladiga St |
Quarter Ended : |
2025-12-31 |
| Piedmont, Alabama, 36272 |
Updated : |
2026-01-28 |
| www.FandM.bank |
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| Institution Profile |
| Year Opened : |
1915 |
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 : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
54 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 310,552 |
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Total Interest Income | 14,296 |
| Total Liabilities | 278,667 |
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Total NonInterest Income | 1,521 |
| Total Bank Equity Capital | 31,885 |
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Total Interest Expense | 2,958 |
| Total Deposits | 276,603 |
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Total NonInterest Expense | 9,930 |
| Net Loans & Leases | 140,404 |
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Net Income | 2,140 |
| Loan Loss Allowance | 2,028 |
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Net Charge Offs | 17 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 40,242 |
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Total loans | 139,211 |
| Total assets for the leverage ratio | 310,143 |
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Loans secured by real estate: | 111,661 |
| Tier 1 Leverage Ratio | 12.32 |
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Commercial and industrial loans | 22,808 |
| Tier 1 Capital Ratio | 17.43 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 18.35 |
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Loans to individuals - Other | 4,675 |
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:· Farmers and Merchants Bank
