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Farmers And Merchants Bank Of South Carolina
Holly Hill, SC · FDIC Certificate #1660 · Chartered 01/0
Total assets
$413.56M
Total deposits
$350.84M
Total equity
$61.45M
Net loans
$121.64M
Branches (offices)
8
Net income (YTD)
$4.16M
Rank: #2,025 of 4,213 U.S. banks by assets · #27 of 43 in South Carolina. Assets changed 0.8% and deposits -1.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.80% |
| Return on equity | 13.76% |
| Net interest margin (YTD) | 4.14% |
| Equity to assets | 14.86% |
| Tier 1 leverage ratio | 16.56% |
| Uninsured deposits (share of deposits) | 37.1% |
| Noncurrent loans (share of loans) | 0.74% |
| Net charge-offs (share of loans) | 0.11% |
| Loans to deposits | 34.7% |
| Real estate loans (share of loans) | 91.5% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $111.26M | 91.5% | |
| Commercial & industrial | $5.37M | 4.4% | |
| Consumer / individual | $5.82M | 4.8% | |
| Construction & development | $37.91M | 31.2% | |
| Agricultural | $151.00K | 0.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $397.62M | $363.31M | $468.00K | $33.06M |
| Jun 2023 | $393.93M | $356.97M | $4.54M | $35.65M |
| Jun 2024 | $392.11M | $347.03M | $3.51M | $43.72M |
| Jun 2025 | $410.48M | $355.48M | $3.77M | $53.71M |
| Jun 2026 | $413.56M | $350.84M | $4.16M | $61.45M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| South Carolina | $350.84M | 8 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $350.84M.
Similar-sized banks
First Community Bank ($413.56M) · Bank Of Frankewing ($413.12M)
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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