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Farmers And Miners Bank
Pennington Gap, VA · FDIC Certificate #22888 · Chartered 07/0
Total assets
$193.23M
Total deposits
$166.34M
Total equity
$25.45M
Net loans
$99.04M
Branches (offices)
6
Net income (YTD)
$1.55M
Rank: #3,019 of 4,213 U.S. banks by assets · #48 of 56 in Virginia. Assets changed 7.4% and deposits 7.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.63% |
| Return on equity | 12.45% |
| Net interest margin (YTD) | 4.88% |
| Equity to assets | 13.17% |
| Tier 1 leverage ratio | 13.28% |
| Uninsured deposits (share of deposits) | 9.2% |
| Noncurrent loans (share of loans) | 0.32% |
| Net charge-offs (share of loans) | 0.10% |
| Loans to deposits | 59.5% |
| Real estate loans (share of loans) | 57.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $57.08M | 57.6% | |
| Commercial & industrial | $29.99M | 30.3% | |
| Consumer / individual | $14.13M | 14.3% | |
| Construction & development | $5.66M | 5.7% | |
| Agricultural | $600.00K | 0.6% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $174.53M | $154.57M | $595.00K | $19.49M |
| Jun 2023 | $176.29M | $155.33M | $1.15M | $20.34M |
| Jun 2024 | $175.34M | $152.24M | $951.00K | $22.02M |
| Jun 2025 | $179.84M | $154.87M | $1.39M | $24.02M |
| Jun 2026 | $193.23M | $166.34M | $1.55M | $25.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $166.34M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $166.34M.
Similar-sized banks
Western Nebraska Bank ($193.26M) · Community Neighbor Bank ($193.20M)
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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