Farmers and Merchants Bank
Piedmont, AL
IDRSSD: 434539
Total Assets
$310.37M
Latest filing
Total Deposits
$276.97M
Latest filing
Net Interest Margin
4.23%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
112 E Ladiga St
Piedmont, AL 36272
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/12/1915FDIC Certificate 1147
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 112 E Ladiga St | Piedmont, AL |
| ANNISTON BRANCH | 1429 Quintard Ave | Anniston, AL |
| JACKSONVILLE BRANCH | 1130 Pelham Rd S | Jacksonville, AL |
| OXFORD BRANCH | 35 Ali Way | Oxford, AL |
| CENTRE BRANCH | 1225 Chesnut Byp | Centre, AL |
Showing 4 of 4
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 | 04/12/1915 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 36272 |
| State and County Number | 01015 |
| 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 | Anniston-Oxford, AL |
Operational Info
| Number of Employees | 54 |
| Domestic Offices | 5 |
| 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 | http://www.FandM.bank |
| Data Updated | 11/14/2025 |
| CERT | 1735 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $310.37M |
| Total Deposits | $276.97M |
| Total Liabilities | $279.32M |
| Total Equity Capital | $31.05M |
| Net Income | $465.00k |
| Net Loans and Leases | $137.21M |
| Assets Per Employee ($Millions) | $5.75M |
| Bank Premises and Fixed Assets | $9.39M |
| Cash and Balances due from Depository Institutions | $17.71M |
| Deposits Held in Domestic Offices | $276.97M |
Key Performance Ratios
| Return on Assets (ROA) | 0.6% |
| Return on Equity (ROE) | 6.27% |
| Net Interest Margin | 4.23% |
| Efficiency Ratio | 80.07% |
| Tier 1 Risk-Based Capital Ratio | 17.279% |
| 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 | 10.006% |
| Earning Assets to total Assets | 88.31% |
Income and Expense
| Total Interest Income | $3.65M |
| Total Noninterest Income | $355.00k |
| Total Interest Expense | $755.00k |
| Total Noninterest Expense | $2.60M |
| Net Interest Income | $2.90M |
| Pre-tax Net Operating Income | $648.00k |
| 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 | $3.56M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.35M |
| Total Liabilities and Capital | $310.37M |
Securities
| Securities | $131.73M |
| Available-for-sale debt securities | $131.73M |
| 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?
$310.37M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$276.97M in total deposits.
Where is Farmers and Merchants Bank located?
Piedmont, AL.
What is the Net Interest Margin?
4.23%.
How many domestic offices does it operate?
5.
When was it established?
04/12/1915.
What is the Return on Assets (ROA)?
0.6%.
How much are total loans and leases?
$137.21M (latest filing).
What is the total interest income (latest filing)?
$3.65M.