Mechanics & Farmers Bank

BankDurham, North Carolina
www.mfbonline.com

Total Assets

$479.5M

Total Deposits

$405.5M

Branches

8

Established

1908

TFS Health Grade

$
C-

71.3 / 100

Average financial health

How we grade

Mechanics & Farmers Bank is a bank headquartered in Durham, North Carolina, established in 1908. With $479.5M in total assets and 8 branch locations, it has a TFS Financial Health Grade of C- (71.3/100).

Capital & Safety

Tier 1 Capital Ratio
14.83%(8%)
Total Capital Ratio
25.89%(10%)
Non-Performing Loan Ratio
1.56%

Profitability

Return on Assets (ROA)
0.72%(1%)
Return on Equity (ROE)
5.41%(10%)
Net Interest Margin
4.25%
Efficiency Ratio
75.03%(60%)

Lending & Liquidity

Total Loans
$279.1M
Loan-to-Deposit Ratio
67.71%
Net Charge-Off Ratio
0.18%

Growth

Asset Growth (YoY)
-3.73%
Deposit Growth (YoY)
-5.73%
Net Income
$3.5M

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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