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The Farmers & Merchants Bank
Waterloo, AL · FDIC Certificate #1745 · Chartered 07/0
Total assets
$98.28M
Total deposits
$86.47M
Total equity
$11.29M
Net loans
$5.14M
Branches (offices)
2
Net income (YTD)
$290.00K
Rank: #3,688 of 4,213 U.S. banks by assets · #84 of 93 in Alabama. Assets changed 2.4% and deposits 1.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.59% |
| Return on equity | 5.14% |
| Net interest margin (YTD) | 1.64% |
| Equity to assets | 11.49% |
| Tier 1 leverage ratio | 17.03% |
| Uninsured deposits (share of deposits) | 31.2% |
| Noncurrent loans (share of loans) | 1.33% |
| Net charge-offs (share of loans) | 0.04% |
| Loans to deposits | 5.9% |
| Real estate loans (share of loans) | 21.3% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $1.10M | 21.3% | |
| Commercial & industrial | $1.44M | 28.1% | |
| Consumer / individual | $1.33M | 25.9% | |
| Construction & development | $136.00K | 2.6% | |
| Agricultural | $1.46M | 28.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $97.66M | $87.17M | $609.00K | $10.18M |
| Jun 2023 | $99.25M | $89.63M | $400.00K | $9.14M |
| Jun 2024 | $97.62M | $88.37M | -$2.29M | $8.65M |
| Jun 2025 | $95.97M | $85.44M | $206.00K | $10.01M |
| Jun 2026 | $98.28M | $86.47M | $290.00K | $11.29M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $86.47M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $86.47M.
Similar-sized banks
Bank419 ($98.31M) · Silex Banking Company ($98.17M)
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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