Farmers and Merchants Bank

BankLafayette, Alabama
www.fmlafayette.com

Total Assets

$304.6M

Total Deposits

$275.6M

Branches

3

Established

1934

TFS Health Grade

$
F

59.9 / 100

Poor financial health

How we grade

Farmers and Merchants Bank is a bank headquartered in Lafayette, Alabama, established in 1934. With $304.6M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (59.9/100).

Capital & Safety

Tier 1 Capital Ratio
10.59%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.06%

Profitability

Return on Assets (ROA)
1.03%(1%)
Return on Equity (ROE)
16.85%(10%)
Net Interest Margin
3.14%
Efficiency Ratio
57.74%(60%)

Lending & Liquidity

Total Loans
$122.1M
Loan-to-Deposit Ratio
43.77%
Net Charge-Off Ratio
0.00%

Growth

Asset Growth (YoY)
+6.46%
Deposit Growth (YoY)
+4.60%
Net Income
$3.0M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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