Farmers and Merchants Bank
Arnett, OK
IDRSSD: 257653
Total Assets
$79.77M
Latest filing
Total Deposits
$69.47M
Latest filing
Net Interest Margin
3.24%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
225 E Renfrow Ave
Arnett, OK 73832
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/28/1908FDIC Certificate 8448
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Farmers and Merchants Bank (Main) | 225 E Renfrow Ave | Arnett, OK | ||
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
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 | 12/28/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73832 |
| State and County Number | 40045 |
| Subchapter S Corporations | Yes |
| Trust Powers | N/A |
| Federal Reserve ID Number | 10 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Dallas |
| Core Based Statistical Area Name | Woodward, OK |
Operational Info
| Number of Employees | 8 |
| Domestic Offices | 1 |
| 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 | fmbankarnett.com |
| Data Updated | 01/30/2026 |
| CERT | 13415 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $79.77M |
| Total Deposits | $69.47M |
| Total Liabilities | $69.81M |
| Total Equity Capital | $9.96M |
| Net Income | $279.00k |
| Net Loans and Leases | $25.54M |
| Assets Per Employee ($Millions) | $9.97M |
| Bank Premises and Fixed Assets | $68.00k |
| Cash and Balances due from Depository Institutions | $11.93M |
| Deposits Held in Domestic Offices | $69.47M |
Key Performance Ratios
| Return on Assets (ROA) | 1.41% |
| Return on Equity (ROE) | 11.3% |
| Net Interest Margin | 3.24% |
| Efficiency Ratio | 54.69% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.13% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 12.486% |
| Earning Assets to total Assets | 96.51% |
Income and Expense
| Total Interest Income | $927.00k |
| Total Noninterest Income | $51.00k |
| Total Interest Expense | $307.00k |
| Total Noninterest Expense | $367.00k |
| Net Interest Income | $620.00k |
| Pre-tax Net Operating Income | $279.00k |
| Provision for Credit Losses | $25.00k |
| 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 | $7.71M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $334.00k |
| Total Liabilities and Capital | $79.77M |
Securities
| Securities | $33.85M |
| Available-for-sale debt securities | $33.85M |
| 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?
$79.77M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$69.47M in total deposits.
Where is Farmers and Merchants Bank located?
Arnett, OK.
What is the Net Interest Margin?
3.24%.
How many domestic offices does it operate?
1.
When was it established?
12/28/1908.
What is the Return on Assets (ROA)?
1.41%.
How much are total loans and leases?
$25.54M (latest filing).
What is the total interest income (latest filing)?
$927.00k.