Farmers and Miners Bank
Pennington Gap, VA
IDRSSD: 658924
Total Assets
$184.66M
Latest filing
Total Deposits
$158.87M
Latest filing
Net Interest Margin
5.06%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers and Miners Bank
41526 W Morgan Ave
Pennington Gap, VA 24277
Full Service - Brick and Mortar
Updated 01/30/2026Established 07/02/1979FDIC Certificate 15999
Branches (5)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers and Miners Bank (Main) | 41526 W Morgan Ave | Pennington Gap, VA |
| ROSE HILL BRANCH | 6489 Dr Thomas Walker Rd | Rose Hill, VA |
| TRI-STATE BRANCH | 248 Station Creek Rd | Ewing, VA |
| WEBER CITY BRANCH | 2944 Us Highway 23 North | Weber City, VA |
| WEST CLINTWOOD BRANCH | 5283 Dickenson Hwy | Clintwood, VA |
| WISE COUNTY BRANCH | 331 E Main St | Wise, VA |
Showing 5 of 5
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 | 07/02/1979 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 24277 |
| State and County Number | 51105 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| 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 | N/A |
Operational Info
| Number of Employees | 51 |
| Domestic Offices | 6 |
| 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 | 07/02/1979 |
| Primary Insurance Agency | DIF |
| Website | www.farmersandminersbank.com |
| Data Updated | 01/30/2026 |
| CERT | 22888 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $184.66M |
| Total Deposits | $158.87M |
| Total Liabilities | $160.37M |
| Total Equity Capital | $24.29M |
| Net Income | $524.00k |
| Net Loans and Leases | $97.26M |
| Assets Per Employee ($Millions) | $3.55M |
| Bank Premises and Fixed Assets | $2.09M |
| Cash and Balances due from Depository Institutions | $55.85M |
| Deposits Held in Domestic Offices | $158.87M |
Key Performance Ratios
| Return on Assets (ROA) | 1.14% |
| Return on Equity (ROE) | 8.55% |
| Net Interest Margin | 5.06% |
| Efficiency Ratio | 72.14% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.06% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 13.155% |
| Earning Assets to total Assets | 95.93% |
Income and Expense
| Total Interest Income | $2.66M |
| Total Noninterest Income | $273.00k |
| Total Interest Expense | $424.00k |
| Total Noninterest Expense | $1.81M |
| Net Interest Income | $2.24M |
| Pre-tax Net Operating Income | $694.00k |
| Provision for Credit Losses | $29.00k |
| 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 | $143.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.50M |
| Total Liabilities and Capital | $184.66M |
Securities
| Securities | $27.88M |
| Available-for-sale debt securities | $18.96M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $8.93M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers and Miners Bank?
$184.66M as of the latest filing.
How much are Farmers and Miners Bank's total deposits?
$158.87M in total deposits.
Where is Farmers and Miners Bank located?
Pennington Gap, VA.
What is the Net Interest Margin?
5.06%.
How many domestic offices does it operate?
6.
When was it established?
07/02/1979.
What is the Return on Assets (ROA)?
1.14%.
How much are total loans and leases?
$97.26M (latest filing).
What is the total interest income (latest filing)?
$2.66M.