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Farmers And Merchants Bank
Lafayette, AL · FDIC Certificate #13887 · Chartered 01/3
Total assets
$307.64M
Total deposits
$276.85M
Total equity
$22.02M
Net loans
$126.33M
Branches (offices)
3
Net income (YTD)
$1.65M
Rank: #2,430 of 4,213 U.S. banks by assets · #49 of 93 in Alabama. Assets changed 6.3% and deposits 4.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.08% |
| Return on equity | 15.60% |
| Net interest margin (YTD) | 3.18% |
| Equity to assets | 7.16% |
| Tier 1 leverage ratio | 11.56% |
| Uninsured deposits (share of deposits) | 33.3% |
| Noncurrent loans (share of loans) | 0.98% |
| Net charge-offs (share of loans) | 0.14% |
| Loans to deposits | 45.6% |
| Real estate loans (share of loans) | 75.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $95.00M | 75.2% | |
| Commercial & industrial | $20.06M | 15.9% | |
| Consumer / individual | $11.74M | 9.3% | |
| Construction & development | $13.60M | 10.8% | |
| Agricultural | $9.00K | 0.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $264.01M | $249.16M | $1.37M | $13.64M |
| Jun 2023 | $259.41M | $238.91M | $1.48M | $12.89M |
| Jun 2024 | $271.69M | $248.79M | $1.11M | $14.78M |
| Jun 2025 | $289.52M | $263.82M | $1.45M | $17.34M |
| Jun 2026 | $307.64M | $276.85M | $1.65M | $22.02M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Alabama | $276.85M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $276.85M.
Similar-sized banks
Sundown State Bank ($307.67M) · Community First Banking Company ($307.35M)
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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