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Farmers and Merchants Bank

Baldwyn, MS
IDRSSD: 205243
Total Assets
$528.13M
Latest filing
Total Deposits
$446.42M
Latest filing
Net Interest Margin
5.02%
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 member, supervised by FRB
Primary RegulatorFED
Established Date03/10/1941
Community BankYes
Ownership TypeNot Mutual
ZIP38824
State and County Number28117
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number08
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictDallas
Core Based Statistical Area NameTupelo, MS

Operational Info

Number of Employees128
Domestic Offices12
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance03/10/1941
Primary Insurance AgencyDIF
Websitewww.fmbms.com
Data Updated11/14/2025
CERT15801
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$528.13M
Total Deposits$446.42M
Total Liabilities$454.77M
Total Equity Capital$73.36M
Net Income$2.73M
Net Loans and Leases$336.17M
Assets Per Employee ($Millions)$4.06M
Bank Premises and Fixed Assets$8.59M
Cash and Balances due from Depository Institutions$19.10M
Deposits Held in Domestic Offices$446.42M

Key Performance Ratios

Return on Assets (ROA)2.07%
Return on Equity (ROE)15.39%
Net Interest Margin5.02%
Efficiency Ratio55.32%
Tier 1 Risk-Based Capital Ratio0%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets13.891%
Earning Assets to total Assets91.8%

Income and Expense

Total Interest Income$8.25M
Total Noninterest Income$1.69M
Total Interest Expense$2.19M
Total Noninterest Expense$4.29M
Net Interest Income$6.06M
Pre-tax Net Operating Income$3.46M
Provision for Credit Losses$0
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$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$8.34M
Total Liabilities and Capital$528.13M

Securities

Securities$136.24M
Available-for-sale debt securities$136.24M
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?
$528.13M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$446.42M in total deposits.
Where is Farmers and Merchants Bank located?
Baldwyn, MS.
What is the Net Interest Margin?
5.02%.
How many domestic offices does it operate?
12.
When was it established?
03/10/1941.
What is the Return on Assets (ROA)?
2.07%.
How much are total loans and leases?
$336.17M (latest filing).
What is the total interest income (latest filing)?
$8.25M.