The Farmers & Merchants Bank
Waterloo, AL
IDRSSD: 291732
Total Assets
$98.76M
Latest filing
Total Deposits
$87.04M
Latest filing
Net Interest Margin
1.44%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers & Merchants Bank
320 Main St
Waterloo, AL 35677
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/01/1914FDIC Certificate 1157
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Farmers & Merchants Bank (Main) | 320 Main St | Waterloo, AL |
| FLORENCE BRANCH | 11345 State Highway 20 | Florence, AL |
Showing 1 of 1
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 | 07/01/1914 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 35677 |
| State and County Number | 01077 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 06 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Florence-Muscle Shoals, AL |
Operational Info
| Number of Employees | 8 |
| Domestic Offices | 2 |
| 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 | www.fmbal.com |
| Data Updated | 11/14/2025 |
| CERT | 1745 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $98.76M |
| Total Deposits | $87.04M |
| Total Liabilities | $87.52M |
| Total Equity Capital | $11.24M |
| Net Income | $113.00k |
| Net Loans and Leases | $5.56M |
| Assets Per Employee ($Millions) | $12.34M |
| Bank Premises and Fixed Assets | $134.00k |
| Cash and Balances due from Depository Institutions | $3.12M |
| Deposits Held in Domestic Offices | $87.04M |
Key Performance Ratios
| Return on Assets (ROA) | 0.46% |
| Return on Equity (ROE) | 4.25% |
| Net Interest Margin | 1.44% |
| Efficiency Ratio | 64.54% |
| 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 | 11.379% |
| Earning Assets to total Assets | 95.94% |
Income and Expense
| Total Interest Income | $835.00k |
| Total Noninterest Income | $28.00k |
| Total Interest Expense | $502.00k |
| Total Noninterest Expense | $233.00k |
| Net Interest Income | $333.00k |
| Pre-tax Net Operating Income | $128.00k |
| 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 | $5.97M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $483.00k |
| Total Liabilities and Capital | $98.76M |
Securities
| Securities | $81.22M |
| Available-for-sale debt securities | $80.60M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $612.00k |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers & Merchants Bank?
$98.76M as of the latest filing.
How much are The Farmers & Merchants Bank's total deposits?
$87.04M in total deposits.
Where is The Farmers & Merchants Bank located?
Waterloo, AL.
What is the Net Interest Margin?
1.44%.
How many domestic offices does it operate?
2.
When was it established?
07/01/1914.
What is the Return on Assets (ROA)?
0.46%.
How much are total loans and leases?
$5.56M (latest filing).
What is the total interest income (latest filing)?
$835.00k.