Farmers & Merchants Bank
Duke, OK
IDRSSD: 273859
Total Assets
$18.79M
Latest filing
Total Deposits
$16.40M
Latest filing
Net Interest Margin
3.88%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank
101 East Second Street
Duke, OK 73532
Full Service - Brick and Mortar
Updated 01/30/2026Established 05/02/1910FDIC Certificate 7806
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| Farmers & Merchants Bank (Main) | 101 East Second Street | Duke, OK | ||
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 | 05/02/1910 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 73532 |
| State and County Number | 40065 |
| 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 | Altus, OK |
Operational Info
| Number of Employees | 4 |
| Domestic Offices | 1 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 03/31/2006 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | http://www.fmbok.com |
| Data Updated | 01/30/2026 |
| CERT | 12284 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $18.79M |
| Total Deposits | $16.40M |
| Total Liabilities | $16.53M |
| Total Equity Capital | $2.26M |
| Net Income | $-44,000 |
| Net Loans and Leases | $6.47M |
| Assets Per Employee ($Millions) | $4.7M |
| Bank Premises and Fixed Assets | $51.00k |
| Cash and Balances due from Depository Institutions | $3.24M |
| Deposits Held in Domestic Offices | $16.40M |
Key Performance Ratios
| Return on Assets (ROA) | -0.93% |
| Return on Equity (ROE) | -7.62% |
| Net Interest Margin | 3.88% |
| Efficiency Ratio | 124.72% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| 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 | 12.022% |
| Earning Assets to total Assets | 90.34% |
Income and Expense
| Total Interest Income | $238.00k |
| Total Noninterest Income | $12.00k |
| Total Interest Expense | $72.00k |
| Total Noninterest Expense | $222.00k |
| Net Interest Income | $166.00k |
| Pre-tax Net Operating Income | $-44,000 |
| Provision for Credit Losses | $0 |
| 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 | $1.22M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $133.00k |
| Total Liabilities and Capital | $18.79M |
Securities
| Securities | $7.32M |
| Available-for-sale debt securities | $0 |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $7.32M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank?
$18.79M as of the latest filing.
How much are Farmers & Merchants Bank's total deposits?
$16.40M in total deposits.
Where is Farmers & Merchants Bank located?
Duke, OK.
What is the Net Interest Margin?
3.88%.
How many domestic offices does it operate?
1.
When was it established?
05/02/1910.
What is the Return on Assets (ROA)?
-0.93%.
How much are total loans and leases?
$6.47M (latest filing).
What is the total interest income (latest filing)?
$238.00k.