Advertisement
Farmers And Merchants Bank
Baldwyn, MS · FDIC Certificate #15801 · Chartered 03/1
Total assets
$565.84M
Total deposits
$481.21M
Total equity
$76.16M
Net loans
$345.48M
Branches (offices)
11
Net income (YTD)
$4.91M
Rank: #1,630 of 4,213 U.S. banks by assets · #23 of 57 in Mississippi. Assets changed 7.1% and deposits 6.5% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.78% |
| Return on equity | 13.33% |
| Net interest margin (YTD) | 4.84% |
| Equity to assets | 13.46% |
| Tier 1 leverage ratio | 14.19% |
| Uninsured deposits (share of deposits) | 24.6% |
| Noncurrent loans (share of loans) | 1.69% |
| Net charge-offs (share of loans) | 0.17% |
| Loans to deposits | 71.8% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $266.56M | 77.2% | |
| Commercial & industrial | $34.01M | 9.8% | |
| Consumer / individual | $35.93M | 10.4% | |
| Construction & development | $54.47M | 15.8% | |
| Agricultural | $1.83M | 0.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $474.01M | $413.67M | $3.59M | $55.12M |
| Jun 2023 | $486.43M | $393.87M | $3.42M | $55.74M |
| Jun 2024 | $537.58M | $435.94M | $4.35M | $62.12M |
| Jun 2025 | $528.11M | $451.71M | $5.89M | $68.48M |
| Jun 2026 | $565.84M | $481.21M | $4.91M | $76.16M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Mississippi | $481.21M | 11 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $481.21M.
Similar-sized banks
First Commercial Bank, National Association ($565.93M) · South Ottumwa Savings Bank ($565.45M)
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.
Advertisement