Advertisement
Farmers And Merchants Bank
De Leon, TX · FDIC Certificate #3170 · Chartered 01/0
Total assets
$269.79M
Total deposits
$232.91M
Total equity
$34.03M
Net loans
$146.15M
Branches (offices)
7
Net income (YTD)
$1.92M
Rank: #2,610 of 4,213 U.S. banks by assets · #226 of 346 in Texas. Assets changed 10.6% and deposits 10.2% over the year to June 30, 2026.
Advertisement
Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.49% |
| Return on equity | 11.50% |
| Net interest margin (YTD) | 4.55% |
| Equity to assets | 12.61% |
| Tier 1 leverage ratio | 11.97% |
| Uninsured deposits (share of deposits) | 27.8% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.33% |
| Loans to deposits | 62.7% |
| Real estate loans (share of loans) | 81.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $119.37M | 81.7% | |
| Commercial & industrial | $12.06M | 8.3% | |
| Consumer / individual | $2.30M | 1.6% | |
| Construction & development | $8.59M | 5.9% | |
| Agricultural | $12.84M | 8.8% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $151.68M | $142.78M | $312.00K | $8.52M |
| Jun 2023 | $149.89M | $136.90M | $978.00K | $12.55M |
| Jun 2024 | $157.29M | $140.98M | $902.00K | $15.20M |
| Jun 2025 | $243.91M | $211.43M | $1.46M | $29.77M |
| Jun 2026 | $269.79M | $232.91M | $1.92M | $34.03M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Texas | $232.91M | 7 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $232.91M.
Similar-sized banks
South Coast Bank & Trust ($269.83M) · Castroville State Bank ($269.70M)
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