Farmers and Merchants Bank of South Carolina
Holly Hill, SC
IDRSSD: 282226
Total Assets
$495.36M
Latest filing
Total Deposits
$435.28M
Latest filing
Net Interest Margin
3.80%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank of South Carolina
8624 Old State Rd
Holly Hill, SC 29059
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/03/1912FDIC Certificate 1094
Branches (7)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank of South Carolina (Main) | 8624 Old State Rd | Holly Hill, SC |
| BOWMAN BRANCH | 7002 Charleston Hwy | Bowman, SC |
| MONCKS CORNER BRANCH | 221 E Main St | Moncks Corner, SC |
| EUTAWVILLE BRANCH | 12064 Old Number Six Hwy | Eutawville, SC |
| BRANCHVILLE BRANCH | 7633 Freedom Rd | Branchville, SC |
| CAMERON BRANCH | 216 Boyce Lawton Dr | Cameron, SC |
| ST. STEPHEN BRANCH | 117 Church Rd | St. Stephen, SC |
| CARNES CROSSROADS BRANCH | 2900 N Main St | Moncks Corner, SC |
Showing 7 of 7
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/03/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 29059 |
| State and County Number | 45075 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Orangeburg, SC |
Operational Info
| Number of Employees | 70 |
| Domestic Offices | 8 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbsc.com |
| Data Updated | 01/30/2026 |
| CERT | 1660 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $495.36M |
| Total Deposits | $435.28M |
| Total Liabilities | $436.29M |
| Total Equity Capital | $59.07M |
| Net Income | $1.53M |
| Net Loans and Leases | $123.15M |
| Assets Per Employee ($Millions) | $7.08M |
| Bank Premises and Fixed Assets | $4.13M |
| Cash and Balances due from Depository Institutions | $176.28M |
| Deposits Held in Domestic Offices | $435.28M |
Key Performance Ratios
| Return on Assets (ROA) | 1.38% |
| Return on Equity (ROE) | 10.47% |
| Net Interest Margin | 3.8% |
| Efficiency Ratio | 56.99% |
| Tier 1 Risk-Based Capital Ratio | 40.411% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.925% |
| Earning Assets to total Assets | 95.34% |
Income and Expense
| Total Interest Income | $4.29M |
| Total Noninterest Income | $560.00k |
| Total Interest Expense | $295.00k |
| Total Noninterest Expense | $2.59M |
| Net Interest Income | $3.99M |
| Pre-tax Net Operating Income | $1.96M |
| Provision for Credit Losses | $1.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $500.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.01M |
| Total Liabilities and Capital | $495.36M |
Securities
| Securities | $183.85M |
| Available-for-sale debt securities | $183.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Bank of South Carolina?
$495.36M as of the latest filing.
How much are Farmers and Merchants Bank of South Carolina's total deposits?
$435.28M in total deposits.
Where is Farmers and Merchants Bank of South Carolina located?
Holly Hill, SC.
What is the Net Interest Margin?
3.80%.
How many domestic offices does it operate?
8.
When was it established?
01/03/1912.
What is the Return on Assets (ROA)?
1.38%.
How much are total loans and leases?
$123.15M (latest filing).
What is the total interest income (latest filing)?
$4.29M.