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The Farmers Bank Of Appomattox
Appomattox, VA · FDIC Certificate #6813 · Chartered 09/1
Total assets
$374.59M
Total deposits
$313.56M
Total equity
$40.41M
Net loans
$258.28M
Branches (offices)
6
Net income (YTD)
$1.82M
Rank: #2,160 of 4,213 U.S. banks by assets · #40 of 56 in Virginia. Assets changed 2.3% and deposits -2.6% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.98% |
| Return on equity | 9.29% |
| Net interest margin (YTD) | 4.16% |
| Equity to assets | 10.79% |
| Tier 1 leverage ratio | 12.58% |
| Uninsured deposits (share of deposits) | 8.9% |
| Noncurrent loans (share of loans) | 0.59% |
| Net charge-offs (share of loans) | 0.53% |
| Loans to deposits | 82.4% |
| Real estate loans (share of loans) | 77.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $199.49M | 77.2% | |
| Commercial & industrial | $18.07M | 7.0% | |
| Consumer / individual | $36.14M | 14.0% | |
| Construction & development | $22.27M | 8.6% | |
| Agricultural | $489.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $312.86M | $267.85M | $1.52M | $28.77M |
| Jun 2023 | $322.83M | $289.49M | $1.50M | $29.56M |
| Jun 2024 | $343.51M | $307.55M | $1.27M | $32.40M |
| Jun 2025 | $366.14M | $321.89M | $1.49M | $34.95M |
| Jun 2026 | $374.59M | $313.56M | $1.82M | $40.41M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $313.56M | 6 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $313.56M.
Similar-sized banks
Community First National Bank ($374.68M) · Gilmer National Bank, Gilmer, Texas ($374.50M)
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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