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Farmers & Merchants Bank
Timberville, VA · FDIC Certificate #8668 · Chartered 01/0
Total assets
$1.40B
Total deposits
$1.27B
Total equity
$116.04M
Net loans
$919.83M
Branches (offices)
16
Net income (YTD)
$8.64M
Rank: #788 of 4,213 U.S. banks by assets · #24 of 56 in Virginia. Assets changed 6.5% and deposits 5.3% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.24% |
| Return on equity | 15.54% |
| Net interest margin (YTD) | 3.73% |
| Equity to assets | 8.31% |
| Tier 1 leverage ratio | 9.10% |
| Uninsured deposits (share of deposits) | 14.1% |
| Noncurrent loans (share of loans) | 0.43% |
| Net charge-offs (share of loans) | 0.07% |
| Loans to deposits | 72.6% |
| Real estate loans (share of loans) | 83.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $763.19M | 83.0% | |
| Commercial & industrial | $60.62M | 6.6% | |
| Consumer / individual | $78.76M | 8.6% | |
| Construction & development | $66.92M | 7.3% | |
| Agricultural | $21.78M | 2.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $1.23B | $1.11B | $4.01M | $71.26M |
| Jun 2023 | $1.28B | $1.14B | $1.58M | $72.60M |
| Jun 2024 | $1.31B | $1.19B | $4.26M | $83.53M |
| Jun 2025 | $1.31B | $1.20B | $5.25M | $95.76M |
| Jun 2026 | $1.40B | $1.27B | $8.64M | $116.04M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $1.27B | 16 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $1.27B.
Similar-sized banks
Sullivan Bank ($1.40B) · Guardian Savings Bank ($1.39B)
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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