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Farmers And Merchants Bank
Upperco, MD · FDIC Certificate #1895 · Chartered 01/0
Total assets
$874.47M
Total deposits
$725.71M
Total equity
$79.49M
Net loans
$637.24M
Branches (offices)
9
Net income (YTD)
$4.20M
Rank: #1,165 of 4,213 U.S. banks by assets · #11 of 27 in Maryland. Assets changed 3.9% and deposits -3.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.97% |
| Return on equity | 10.84% |
| Net interest margin (YTD) | 3.46% |
| Equity to assets | 9.09% |
| Tier 1 leverage ratio | 9.98% |
| Uninsured deposits (share of deposits) | 14.3% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | -0.02% |
| Loans to deposits | 87.8% |
| Real estate loans (share of loans) | 92.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $592.31M | 92.9% | |
| Commercial & industrial | $50.15M | 7.9% | |
| Consumer / individual | $110.00K | 0.0% | |
| Construction & development | $27.09M | 4.3% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $710.01M | $632.37M | $3.71M | $62.09M |
| Jun 2023 | $730.24M | $633.58M | $3.75M | $62.87M |
| Jun 2024 | $798.43M | $652.40M | $2.48M | $66.27M |
| Jun 2025 | $841.71M | $750.16M | $2.54M | $69.33M |
| Jun 2026 | $874.47M | $725.71M | $4.20M | $79.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Maryland | $725.71M | 9 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $725.71M.
Similar-sized banks
First Independence Bank ($875.30M) · Ks Bank, Inc. ($874.46M)
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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