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Farmers & Merchants Bank
Duke, OK · FDIC Certificate #12284 · Chartered 05/0
Total assets
$20.54M
Total deposits
$18.09M
Total equity
$2.33M
Net loans
$6.30M
Branches (offices)
1
Net income (YTD)
$70.00K
Rank: #4,186 of 4,213 U.S. banks by assets · #167 of 168 in Oklahoma. Assets changed 2.2% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.71% |
| Return on equity | 6.11% |
| Net interest margin (YTD) | 3.70% |
| Equity to assets | 11.34% |
| Tier 1 leverage ratio | 11.30% |
| Uninsured deposits (share of deposits) | 10.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 34.8% |
| Real estate loans (share of loans) | 0.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $0 | 0.0% | |
| Commercial & industrial | $1.43M | 22.7% | |
| Consumer / individual | $175.00K | 2.8% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $4.81M | 76.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $19.55M | $17.40M | $37.00K | $2.14M |
| Jun 2023 | $18.16M | $15.84M | $137.00K | $2.28M |
| Jun 2024 | $18.63M | $16.27M | $97.00K | $2.29M |
| Jun 2025 | $20.10M | $17.71M | $73.00K | $2.29M |
| Jun 2026 | $20.54M | $18.09M | $70.00K | $2.33M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Oklahoma | $18.09M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $18.09M.
Similar-sized banks
Columbia Savings And Loan Association ($20.56M) · Farmers State Bank Of Medora ($20.37M)
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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