Farmers and Merchants Bank
Baldwyn, MS
IDRSSD: 205243
Total Assets
$522.95M
Latest filing
Total Deposits
$443.95M
Latest filing
Net Interest Margin
5.11%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
111 W Clayton St
Baldwyn, MS 38824
Full Service - Brick and Mortar
Updated 01/30/2026Established 03/10/1941FDIC Certificate 10046
Branches (11)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 111 W Clayton St | Baldwyn, MS |
| MARIETTA BRANCH | 421 Highway 371 | Marietta, MS |
| BOONEVILLE BRANCH | 1000 E Church St | Booneville, MS |
| BOONEVILLE NORTH BRANCH | 1111 N 2nd St | Booneville, MS |
| CORINTH BRANCH | 515 N Fillmore St | Corinth, MS |
| HARPER ROAD BRANCH | 2222 S Harper Rd | Corinth, MS |
| MANTACHIE BRANCH | 5600 Highway 363 | Mantachie, MS |
| MOOREVILLE BRANCH | 779 Highway 371 | Mooreville, MS |
Showing 7 of 11
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 03/10/1941 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 38824 |
| State and County Number | 28117 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 08 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Tupelo, MS |
Operational Info
| Number of Employees | 130 |
| Domestic Offices | 12 |
| 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 | 03/10/1941 |
| Primary Insurance Agency | DIF |
| Website | www.fmbms.com |
| Data Updated | 01/30/2026 |
| CERT | 15801 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $522.95M |
| Total Deposits | $443.95M |
| Total Liabilities | $451.31M |
| Total Equity Capital | $71.64M |
| Net Income | $15.00k |
| Net Loans and Leases | $340.05M |
| Assets Per Employee ($Millions) | $4.05M |
| Bank Premises and Fixed Assets | $8.62M |
| Cash and Balances due from Depository Institutions | $18.33M |
| Deposits Held in Domestic Offices | $443.95M |
Key Performance Ratios
| Return on Assets (ROA) | 0.01% |
| Return on Equity (ROE) | 0.08% |
| Net Interest Margin | 5.11% |
| Efficiency Ratio | 76.87% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 1.37% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.699% |
| Earning Assets to total Assets | 90.76% |
Income and Expense
| Total Interest Income | $8.29M |
| Total Noninterest Income | $1.59M |
| Total Interest Expense | $2.16M |
| Total Noninterest Expense | $5.93M |
| Net Interest Income | $6.12M |
| Pre-tax Net Operating Income | $-19,000 |
| Provision for Credit Losses | $1.80M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $50.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $7.36M |
| Total Liabilities and Capital | $522.95M |
Securities
| Securities | $126.91M |
| Available-for-sale debt securities | $126.91M |
| 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?
$522.95M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$443.95M in total deposits.
Where is Farmers and Merchants Bank located?
Baldwyn, MS.
What is the Net Interest Margin?
5.11%.
How many domestic offices does it operate?
12.
When was it established?
03/10/1941.
What is the Return on Assets (ROA)?
0.01%.
How much are total loans and leases?
$340.05M (latest filing).
What is the total interest income (latest filing)?
$8.29M.