Farmers and Merchants Bank

BankBaldwyn, Mississippi
www.fmbms.com

Total Assets

$522.9M

Total Deposits

$443.9M

Branches

12

Established

1941

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

Farmers and Merchants Bank is a bank headquartered in Baldwyn, Mississippi, established in 1941. With $522.9M in total assets and 12 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
14.38%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
1.58%

Profitability

Return on Assets (ROA)
1.62%(1%)
Return on Equity (ROE)
12.60%(10%)
Net Interest Margin
4.85%
Efficiency Ratio
59.35%(60%)

Lending & Liquidity

Total Loans
$348.0M
Loan-to-Deposit Ratio
76.60%
Net Charge-Off Ratio
0.38%

Growth

Asset Growth (YoY)
-1.12%
Deposit Growth (YoY)
+4.00%
Net Income
$8.6M

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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