Farmers and Merchants Bank
Upperco, MD
IDRSSD: 891226
Total Assets
$872.37M
Latest filing
Total Deposits
$722.08M
Latest filing
Net Interest Margin
3.39%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Merchants Bank
15226 Hanover Pike
Upperco, MD 21155
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1919FDIC Certificate 1263
Branches (8)
Page 1 of 2| Name | Address | City / State |
|---|---|---|
| Farmers and Merchants Bank (Main) | 15226 Hanover Pike | Upperco, MD |
| HAMPSTEAD BRANCH | 735 Hanover Pike | Hampstead, MD |
| GREENMOUNT BRANCH | 2320 Hanover Pike | Hampstead, MD |
| REISTERSTOWN BRANCH | 25 Westminster Pike | Reisterstown, MD |
| OWINGS MILLS BRANCH | 9320 Lakeside Blvd | Owings Mills, MD |
| ELDERSBURG BRANCH | 1321 Liberty Rd | Sykesville, MD |
| WESTMINSTER BRANCH | 275 Clifton Blvd | Westminster, MD |
| CARROLL LUTHERAN VILLAGE BRANCH | 205 Saint Mark Way | Westminster, MD |
Showing 7 of 8
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 | 01/01/1919 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 21155 |
| State and County Number | 24005 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 05 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | New York |
| Core Based Statistical Area Name | Baltimore-Columbia-Towson, MD |
Operational Info
| Number of Employees | 94 |
| Domestic Offices | 9 |
| 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.fmb1919.bank |
| Data Updated | 01/30/2026 |
| CERT | 1895 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $872.37M |
| Total Deposits | $722.08M |
| Total Liabilities | $796.57M |
| Total Equity Capital | $75.80M |
| Net Income | $1.94M |
| Net Loans and Leases | $633.86M |
| Assets Per Employee ($Millions) | $9.38M |
| Bank Premises and Fixed Assets | $8.21M |
| Cash and Balances due from Depository Institutions | $47.51M |
| Deposits Held in Domestic Offices | $722.08M |
Key Performance Ratios
| Return on Assets (ROA) | 0.89% |
| Return on Equity (ROE) | 10.46% |
| Net Interest Margin | 3.39% |
| Efficiency Ratio | 63.91% |
| Tier 1 Risk-Based Capital Ratio | 11.655% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.05% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.689% |
| Earning Assets to total Assets | 93.45% |
Income and Expense
| Total Interest Income | $11.30M |
| Total Noninterest Income | $449.00k |
| Total Interest Expense | $4.41M |
| Total Noninterest Expense | $4.69M |
| Net Interest Income | $6.89M |
| Pre-tax Net Operating Income | $2.55M |
| Provision for Credit Losses | $100.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $1.67M |
| Other borrowed funds | $63.98M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $4.32M |
| All Other Liabilities | $6.20M |
| Total Liabilities and Capital | $872.37M |
Securities
| Securities | $140.34M |
| Available-for-sale debt securities | $118.73M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $21.13M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Merchants Bank?
$872.37M as of the latest filing.
How much are Farmers and Merchants Bank's total deposits?
$722.08M in total deposits.
Where is Farmers and Merchants Bank located?
Upperco, MD.
What is the Net Interest Margin?
3.39%.
How many domestic offices does it operate?
9.
When was it established?
01/01/1919.
What is the Return on Assets (ROA)?
0.89%.
How much are total loans and leases?
$633.86M (latest filing).
What is the total interest income (latest filing)?
$11.30M.