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Farmers And Mechanics Federal Savings Bank
Bloomfield, IN · FDIC Certificate #28478 · Chartered 01/0
Total assets
$113.59M
Total deposits
$105.77M
Total equity
$5.38M
Net loans
$64.56M
Branches (offices)
3
Net income (YTD)
-$145.00K
Rank: #3,582 of 4,213 U.S. banks by assets · #80 of 87 in Indiana. Assets changed -3.1% and deposits -0.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | -0.25% |
| Return on equity | -5.38% |
| Net interest margin (YTD) | 2.85% |
| Equity to assets | 4.74% |
| Tier 1 leverage ratio | 6.79% |
| Uninsured deposits (share of deposits) | 12.5% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.23% |
| Loans to deposits | 61.0% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $53.61M | 83.0% | |
| Commercial & industrial | $10.43M | 16.2% | |
| Consumer / individual | $778.00K | 1.2% | |
| Construction & development | $3.52M | 5.5% | |
| Agricultural | $0 | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $115.52M | $99.94M | -$88.00K | $7.40M |
| Jun 2023 | $127.86M | $95.99M | -$5.00K | $6.55M |
| Jun 2024 | $125.57M | $107.57M | -$678.00K | $7.05M |
| Jun 2025 | $117.25M | $105.94M | -$172.00K | $4.92M |
| Jun 2026 | $113.59M | $105.77M | -$145.00K | $5.38M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $105.77M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $105.77M.
Similar-sized banks
Great Nations Bank ($113.77M) · Spring Valley Bank ($113.58M)
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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