Total Assets
$495M
Total balance-sheet footings
FDIC Cert #1660 · Holly Hill, South Carolina · Est. 1912
Farmers and Merchants Bank of South Carolina - FDIC Bank Health Profile
A community-scale look at Farmers and Merchants Bank of South Carolina's own numbers, pulled straight from its quarterly FDIC Call Report.
- $495M
- Total assets
- A
- Health grade · Excellent
- 1.48%
- Return on assets
- 40.4%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers and Merchants Bank of South Carolina earns a PlainBankData health grade of A (92/100), with well-capitalized at 40.41% Tier 1, profitable at 1.48% ROA, efficient (54% cost ratio).
- #1,795
- largest of 4,313 FDIC banks by assets
- 58th
- percentile by asset size, nationally
- 40.41%
- Tier 1 ratio - above the 10% well-capitalized line
- 73rd
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Farmers and Merchants Bank of South Carolina's 92/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers and Merchants Bank of South Carolina's composite health score
Tier 1 Capital Ratio (40.41%) 40/40
Return on Assets (ROA) (1.48%) 20/25
Texas Ratio (1.47%) 20/20
Efficiency Ratio (54.11%) 12/15
92 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$435M
Customer-funded liabilities
Net Loans
$123M
Outstanding loan book
Net Income
$7M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers and Merchants Bank of South Carolina ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Bank of South Carolina's score of 92/100 falls in the highlighted band.
Farmers and Merchants Bank of South Carolina's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Bank of South Carolina's $495M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
40.41% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
40.41%
Texas Ratio
1.47%
Equity Capital
$59M
Profitability metrics
Return on Assets (ROA)
73rd percentile nationally
1.48%
Return on Equity (ROE)
12.34%
Efficiency Ratio
54.11%
What the numbers say about Farmers and Merchants Bank of South Carolina
Farmers and Merchants Bank of South Carolina is an FDIC-insured institution (Certificate #1660) headquartered in Holly Hill, South Carolina, established in 1912. It holds $495M in total assets - 1,795th of 4,313 FDIC-insured banks, $435M in customer deposits, and $123M in net loans. On safety, its Tier 1 capital ratio of 40.41% is above the 10% well-capitalized threshold, and its Texas Ratio of 1.47% sits in the healthy range below 50%. It earns a PlainBankData health grade of A (92/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within South Carolina, Farmers and Merchants Bank of South Carolina ranks 24th of 43 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$18M
Interest Income
$2M
Non-Interest Income
$10M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Bank of South Carolina reports a Texas Ratio of 1.47% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
1.47% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in South Carolina by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Bank of South Carolina (FDIC Cert #1660) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in South Carolina
All South Carolina banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| United Community BankGreenville | $27.9B | A | 1.19% |
| Southern First BankGreenville | $4.4B | B | 0.75% |
| Coastal States BankHilton Head Island | $2.3B | A | 1.17% |
| Anderson Brothers BankMullins | $2.2B | A | 1.38% |
| First Community BankLexington | $2.1B | A | 1.07% |
| The Conway National BankConway | $1.9B | A | 1.23% |
| South Atlantic BankMyrtle Beach | $1.9B | B | 0.93% |
| Bank of Travelers RestTravelers Rest | $1.6B | A | 1.44% |
Frequently asked questions
What is Farmers and Merchants Bank of South Carolina's health grade?▼
Farmers and Merchants Bank of South Carolina receives a health grade of A (92/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers and Merchants Bank of South Carolina?▼
Farmers and Merchants Bank of South Carolina holds $495M in total assets and $435M in deposits, ranking 1,795th of 4,313 FDIC-insured banks by asset size. It is headquartered in Holly Hill, South Carolina.
Is my money safe at Farmers and Merchants Bank of South Carolina?▼
Yes, deposits at Farmers and Merchants Bank of South Carolina (Certificate #1660) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants Bank of South Carolina's Tier 1 Capital Ratio?▼
Farmers and Merchants Bank of South Carolina has a Tier 1 Capital Ratio of 40.41%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for Farmers and Merchants Bank of South Carolina?▼
Farmers and Merchants Bank of South Carolina has a Texas Ratio of 1.47%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants Bank of South Carolina?▼
Farmers and Merchants Bank of South Carolina has an Efficiency Ratio of 54.11%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants Bank of South Carolina's profile as a depositor or analyst.
- Farmers and Merchants Bank of South Carolina's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants Bank of South Carolina against other South Carolina banks before moving funds. South Carolina banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.