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Farmers And Merchants Bank
Arnett, OK · FDIC Certificate #13415 · Chartered 12/2
Total assets
$80.31M
Total deposits
$69.85M
Total equity
$9.98M
Net loans
$24.06M
Branches (offices)
1
Net income (YTD)
$632.00K
Rank: #3,830 of 4,213 U.S. banks by assets · #140 of 168 in Oklahoma. Assets changed 5.3% and deposits 5.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.56% |
| Return on equity | 12.65% |
| Net interest margin (YTD) | 3.15% |
| Equity to assets | 12.43% |
| Tier 1 leverage ratio | 13.00% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.42% |
| Net charge-offs (share of loans) | 0.82% |
| Loans to deposits | 34.4% |
| Real estate loans (share of loans) | 28.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $6.80M | 28.3% | |
| Commercial & industrial | $3.16M | 13.1% | |
| Consumer / individual | $5.87M | 24.4% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $8.66M | 36.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $62.27M | $55.35M | $222.00K | $6.82M |
| Jun 2023 | $64.52M | $57.02M | $468.00K | $7.31M |
| Jun 2024 | $71.72M | $63.08M | $614.00K | $8.30M |
| Jun 2025 | $76.28M | $66.55M | $608.00K | $9.25M |
| Jun 2026 | $80.31M | $69.85M | $632.00K | $9.98M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $69.85M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $69.85M.
Similar-sized banks
Hustisford State Bank ($80.32M) · State Bank Of Eagle Butte ($80.27M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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