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Farmers & Merchants Bank Of Craig County
New Castle, VA · FDIC Certificate #9986 · Chartered 05/0
Total assets
$92.96M
Total deposits
$76.77M
Total equity
$15.86M
Net loans
$60.51M
Branches (offices)
1
Net income (YTD)
$611.00K
Rank: #3,731 of 4,213 U.S. banks by assets · #54 of 56 in Virginia. Assets changed 2.1% and deposits 1.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.31% |
| Return on equity | 7.80% |
| Net interest margin (YTD) | 3.80% |
| Equity to assets | 17.06% |
| Tier 1 leverage ratio | 16.87% |
| Uninsured deposits (share of deposits) | 10.2% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 78.8% |
| Real estate loans (share of loans) | 84.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $51.19M | 84.6% | |
| Commercial & industrial | $3.74M | 6.2% | |
| Consumer / individual | $5.41M | 8.9% | |
| Construction & development | $5.29M | 8.7% | |
| Agricultural | $1.13M | 1.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $85.77M | $72.27M | $276.00K | $13.33M |
| Jun 2023 | $88.03M | $73.69M | $618.00K | $14.15M |
| Jun 2024 | $88.72M | $73.89M | $347.00K | $14.58M |
| Jun 2025 | $91.06M | $75.66M | $426.00K | $15.12M |
| Jun 2026 | $92.96M | $76.77M | $611.00K | $15.86M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Virginia | $76.77M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $76.77M.
Similar-sized banks
Junction National Bank ($93.03M) · Flat Branch Bank ($92.80M)
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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