Farmers and Merchants Bank
De Leon, TX
IDRSSD: 555256
Total Assets
$245.03M
Latest filing
Total Deposits
$209.61M
Latest filing
Net Interest Margin
4.74%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
240 S Texas St
De Leon, TX 76444
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1905FDIC Certificate 2035
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 240 S Texas St | De Leon, TX |
| DETACHED FACILITY | 249 S Texas St | De Leon, TX |
| FMB EASTLAND BRANCH | 930 E Main St | Eastland, TX |
| FARMERS AND MERCHANTS BANK BRANCH | 118 Early Blvd | Early, TX |
| FARMERS AND MERCHANTS BANK - STEPHENVILE BRANCH | 2653 W Washington St | Stephenville, TX |
| COMANCHE BANKING CENTER BRANCH | 500 E. Central Ave. | Comanche, TX |
| NEWCASTLE BRANCH | 722 Broadway Avenue | Newcastle, TX |
Showing 6 of 6
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 | 01/01/1905 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 76444 |
| State and County Number | 48093 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 11 |
| 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 | N/A |
Operational Info
| Number of Employees | 47 |
| Domestic Offices | 7 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 04/03/2025 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbank-tx.com |
| Data Updated | 01/30/2026 |
| CERT | 3170 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $245.03M |
| Total Deposits | $209.61M |
| Total Liabilities | $212.49M |
| Total Equity Capital | $32.54M |
| Net Income | $884.00k |
| Net Loans and Leases | $137.76M |
| Assets Per Employee ($Millions) | $5.21M |
| Bank Premises and Fixed Assets | $9.44M |
| Cash and Balances due from Depository Institutions | $24.26M |
| Deposits Held in Domestic Offices | $209.61M |
Key Performance Ratios
| Return on Assets (ROA) | 1.44% |
| Return on Equity (ROE) | 10.89% |
| Net Interest Margin | 4.74% |
| Efficiency Ratio | 60.88% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.07% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.281% |
| Earning Assets to total Assets | 90.99% |
Income and Expense
| Total Interest Income | $3.34M |
| Total Noninterest Income | $280.00k |
| Total Interest Expense | $676.00k |
| Total Noninterest Expense | $1.82M |
| Net Interest Income | $2.66M |
| Pre-tax Net Operating Income | $1.08M |
| Provision for Credit Losses | $45.00k |
| 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 | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $2.88M |
| Total Liabilities and Capital | $245.03M |
Securities
| Securities | $66.37M |
| Available-for-sale debt securities | $66.37M |
| 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?
$245.03M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$209.61M in total deposits.
Where is Farmers and Merchants Bank located?
De Leon, TX.
What is the Net Interest Margin?
4.74%.
How many domestic offices does it operate?
7.
When was it established?
01/01/1905.
What is the Return on Assets (ROA)?
1.44%.
How much are total loans and leases?
$137.76M (latest filing).
What is the total interest income (latest filing)?
$3.34M.