Farmers and Merchants Bank of South Carolina

BankHolly Hill, South Carolina
www.fmbsc.com

Total Assets

$495.4M

Total Deposits

$435.3M

Branches

8

Established

1912

TFS Health Grade

$
D

65.0 / 100

Below average financial health

How we grade

Farmers and Merchants Bank of South Carolina is a bank headquartered in Holly Hill, South Carolina, established in 1912. With $495.4M in total assets and 8 branch locations, it has a TFS Financial Health Grade of D (65.0/100).

Capital & Safety

Tier 1 Capital Ratio
15.59%(8%)
Total Capital Ratio
41.20%(10%)
Non-Performing Loan Ratio
0.71%

Profitability

Return on Assets (ROA)
1.48%(1%)
Return on Equity (ROE)
12.34%(10%)
Net Interest Margin
3.87%
Efficiency Ratio
54.11%(60%)

Lending & Liquidity

Total Loans
$124.4M
Loan-to-Deposit Ratio
28.29%
Net Charge-Off Ratio
0.07%

Growth

Asset Growth (YoY)
-8.37%
Deposit Growth (YoY)
-11.64%
Net Income
$6.6M

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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