Farmers & Merchants Bank

BankGranite Quarry, North Carolina
www.fmbnc.com

Total Assets

$965.7M

Total Deposits

$814.1M

Branches

12

Established

1909

TFS Health Grade

$
B

84.5 / 100

Good financial health

How we grade

Farmers & Merchants Bank is a bank headquartered in Granite Quarry, North Carolina, established in 1909. With $965.7M in total assets and 12 branch locations, it has a TFS Financial Health Grade of B (84.5/100).

Capital & Safety

Tier 1 Capital Ratio
14.89%(8%)
Total Capital Ratio
25.83%(10%)
Non-Performing Loan Ratio
0.62%

Profitability

Return on Assets (ROA)
2.24%(1%)
Return on Equity (ROE)
15.52%(10%)
Net Interest Margin
5.18%
Efficiency Ratio
52.14%(60%)

Lending & Liquidity

Total Loans
$530.8M
Loan-to-Deposit Ratio
63.93%
Net Charge-Off Ratio
0.01%

Growth

Asset Growth (YoY)
+8.00%
Deposit Growth (YoY)
+7.50%
Net Income
$20.9M

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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