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Farmers and Merchants Bank of South Carolina

Holly Hill, SC
IDRSSD: 282226
Total Assets
$390.23M
Latest filing
Total Deposits
$330.91M
Latest filing
Net Interest Margin
4.06%
Profitability
0

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 ClassCommercial bank, state charter, Fed non-member, and supervised by the FDIC
Primary RegulatorFDIC
Established Date01/03/1912
Community BankYes
Ownership TypeNot Mutual
ZIP29059
State and County Number45075
Subchapter S CorporationsNo
Trust PowersTrust Powers Not Granted
Federal Reserve ID Number05
Numeric code21
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictAtlanta
Core Based Statistical Area NameOrangeburg, SC

Operational Info

Number of Employees70
Domestic Offices8
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance01/01/1934
Primary Insurance AgencyDIF
Websitewww.fmbsc.com
Data Updated11/14/2025
CERT1660
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$390.23M
Total Deposits$330.91M
Total Liabilities$332.37M
Total Equity Capital$57.86M
Net Income$1.35M
Net Loans and Leases$126.06M
Assets Per Employee ($Millions)$5.57M
Bank Premises and Fixed Assets$4.13M
Cash and Balances due from Depository Institutions$67.75M
Deposits Held in Domestic Offices$330.91M

Key Performance Ratios

Return on Assets (ROA)1.35%
Return on Equity (ROE)9.68%
Net Interest Margin4.06%
Efficiency Ratio59.18%
Tier 1 Risk-Based Capital Ratio39.539%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.06%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets14.827%
Earning Assets to total Assets94.01%

Income and Expense

Total Interest Income$4.10M
Total Noninterest Income$550.00k
Total Interest Expense$282.00k
Total Noninterest Expense$2.59M
Net Interest Income$3.82M
Pre-tax Net Operating Income$1.73M
Provision for Credit Losses$56.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
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$1.46M
Total Liabilities and Capital$390.23M

Securities

Securities$184.12M
Available-for-sale debt securities$184.12M
Equity securities with readily determinable fair values not held for trading$0
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?
$390.23M as of the latest filing.
How much are Farmers and Merchants Bank of South Carolina's total deposits?
$330.91M in total deposits.
Where is Farmers and Merchants Bank of South Carolina located?
Holly Hill, SC.
What is the Net Interest Margin?
4.06%.
How many domestic offices does it operate?
8.
When was it established?
01/03/1912.
What is the Return on Assets (ROA)?
1.35%.
How much are total loans and leases?
$126.06M (latest filing).
What is the total interest income (latest filing)?
$4.10M.