Farmers & Merchants Bank
Timberville, VA
IDRSSD: 713926
Total Assets
$1.37B
Latest filing
Total Deposits
$1.25B
Latest filing
Net Interest Margin
3.54%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank
165 New Market Rd
Timberville, VA 22853
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1908FDIC Certificate 5526
Branches (14)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank (Main) | 165 New Market Rd | Timberville, VA |
| ELKTON BRANCH | 127 Rockingham Street | Elkton, VA |
| BROADWAY BRANCH | 126 N Timber Way | Broadway, VA |
| BRIDGEWATER BRANCH | 100 Plaza Dr | Bridgewater, VA |
| WOODSTOCK BRANCH | 161 S Main St | Woodstock, VA |
| WAYNESBORO BRANCH | 2701 W Main St | Waynesboro, VA |
| LEGACY BRANCH | 2030 Legacy Ln | Harrisonburg, VA |
| CROSSROADS BRANCH | 80 Cross Keys Rd | Harrisonburg, VA |
Showing 7 of 14
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 01/01/1908 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 22853 |
| State and County Number | 51165 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 05 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Atlanta |
| Core Based Statistical Area Name | Harrisonburg, VA |
Operational Info
| Number of Employees | 158 |
| Domestic Offices | 15 |
| 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.FMBANKVA.COM |
| Data Updated | 01/30/2026 |
| CERT | 8668 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $1.37B |
| Total Deposits | $1.25B |
| Total Liabilities | $1.26B |
| Total Equity Capital | $107.98M |
| Net Income | $3.10M |
| Net Loans and Leases | $881.63M |
| Assets Per Employee ($Millions) | $7.93M |
| Bank Premises and Fixed Assets | $22.46M |
| Cash and Balances due from Depository Institutions | $20.88M |
| Deposits Held in Domestic Offices | $1.25B |
Key Performance Ratios
| Return on Assets (ROA) | 0.91% |
| Return on Equity (ROE) | 11.77% |
| Net Interest Margin | 3.54% |
| Efficiency Ratio | 66.65% |
| Tier 1 Risk-Based Capital Ratio | 13.112% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.32% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.869% |
| Earning Assets to total Assets | 93% |
Income and Expense
| Total Interest Income | $17.59M |
| Total Noninterest Income | $2.40M |
| Total Interest Expense | $6.35M |
| Total Noninterest Expense | $9.09M |
| Net Interest Income | $11.23M |
| Pre-tax Net Operating Income | $3.46M |
| Provision for Credit Losses | $1.08M |
| 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 | $48.53M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $13.59M |
| Total Liabilities and Capital | $1.37B |
Securities
| Securities | $345.34M |
| Available-for-sale debt securities | $345.34M |
| 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 & Merchants Bank?
$1.37B as of the latest filing.
How much are Farmers & Merchants Bank's total deposits?
$1.25B in total deposits.
Where is Farmers & Merchants Bank located?
Timberville, VA.
What is the Net Interest Margin?
3.54%.
How many domestic offices does it operate?
15.
When was it established?
01/01/1908.
What is the Return on Assets (ROA)?
0.91%.
How much are total loans and leases?
$881.63M (latest filing).
What is the total interest income (latest filing)?
$17.59M.