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Farmers And Merchants Bank
Piedmont, AL · FDIC Certificate #1735 · Chartered 04/1
Total assets
$308.74M
Total deposits
$268.63M
Total equity
$31.99M
Net loans
$151.32M
Branches (offices)
5
Net income (YTD)
$1.32M
Rank: #2,425 of 4,213 U.S. banks by assets · #48 of 93 in Alabama. Assets changed -1.9% and deposits -5.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.85% |
| Return on equity | 8.23% |
| Net interest margin (YTD) | 4.21% |
| Equity to assets | 10.36% |
| Tier 1 leverage ratio | 12.73% |
| Uninsured deposits (share of deposits) | 25.6% |
| Noncurrent loans (share of loans) | 0.78% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 56.3% |
| Real estate loans (share of loans) | 82.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $124.33M | 82.2% | |
| Commercial & industrial | $22.61M | 14.9% | |
| Consumer / individual | $4.93M | 3.3% | |
| Construction & development | $16.69M | 11.0% | |
| Agricultural | $1.41M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $309.96M | $284.01M | $1.17M | $24.01M |
| Jun 2023 | $287.73M | $253.74M | $1.51M | $24.52M |
| Jun 2024 | $286.85M | $259.15M | $1.37M | $25.61M |
| Jun 2025 | $314.66M | $284.14M | $1.18M | $28.28M |
| Jun 2026 | $308.74M | $268.63M | $1.32M | $31.99M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $268.63M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $268.63M.
Similar-sized banks
First State Bank ($308.79M) · United National Bank ($308.72M)
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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