FDIC Cert #1895 · Upperco, Maryland · Est. 1919

Farmers and Merchants Bank - FDIC Bank Health Profile

A community-scale look at Farmers and Merchants Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$872M
Total assets
B
Health grade · Good
0.75%
Return on assets
11.7%
Tier 1 capital

Data updated July 2026

The verdict

Farmers and Merchants Bank earns a PlainBankData health grade of B (70/100), with well-capitalized at 11.65% Tier 1, 0.75% ROA, 68% efficiency ratio.

#1,182
largest of 4,313 FDIC banks by assets
73rd
percentile by asset size, nationally
11.65%
Tier 1 ratio - above the 10% well-capitalized line
27th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 1895 · MD B · 70/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-THIN · SIZE-MID · BOOK-FULL

  • GRADE-B B (70/100)
  • MID-PACK #2990/4307
  • PHOTO-FINISH Bank of Crocker · MO
  • TIER1-WELL 11.7% Tier 1
  • TEXAS-CLEAN 0.0% Texas
  • ROA-THIN 0.75% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Maryland: Bank of Crocker, MO (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers and Merchants Bank

Lowest and highest poles plus nearest scored peers outside Maryland, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Bank of Crocker · MO · near70/100Community State Bank · IN · …70/100Exchange Bank of Mis… · MO ·…70/100Farmers and Merchant… · MD ·…70/100Valley Bank of Kalis… · MT ·…70/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Merchants Bank · July 2026

Call Report read for Farmers and Merchants Bank in a high-failure state

Farmers and Merchants Bank (FDIC Cert #1895) carries a PlainBankData health grade of B at 70/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,990 of 4,307. Tier 1 capital prints at 11.65%, clearing the 10% well-capitalized line. The Texas Ratio is 0.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.75%. Balance-sheet scale is $872M, 1,182nd of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Bank of Crocker (MO), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers and Merchants Bank

10 FAILURE resolutions in Maryland since 2000, heavy vs the state corpus

Farmers and Merchants Bank sits in one of the heavier post-2000 FAILURE states (10 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Farmers and Merchants Bank's current Call Report.

  • SLAVIE FEDERAL SAVINGS BANK BEL AIR, MD 2014 → BAY BANK, FSB
  • NBRS FINANCIAL BANK RISING SUN, MD 2014 → HOWARD BANK
  • BANK OF THE EASTERN SHORE CAMBRIDGE, MD 2012

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Maryland banks.

How Farmers and Merchants Bank's 70/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10070/100
Farmers and Merchants Bank's composite health score
Tier 1 Capital Ratio (11.65%) 28/40
Return on Assets (ROA) (0.75%) 14/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (67.82%) 8/15

70 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$872M

Total balance-sheet footings

Total Deposits

$722M

Customer-funded liabilities

Net Loans

$634M

Outstanding loan book

Net Income

$6M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.25% 11.65% 13.05%
Basel III capital ratios - Farmers and Merchants Bank

Where Farmers and Merchants Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Bank's score of 70/100 falls in the highlighted band.

Farmers and Merchants Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

70 31st percentile higher than 31% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Merchants Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers and Merchants Bank'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's $872M falls in the highlighted band.

Capital & credit buffers at Farmers and Merchants Bank

Tier 1 capital ratio
Well-capitalized 10%

11.65% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
11.65%
Texas Ratio
0.00%
Equity Capital
$76M

What these ratios mean →

Profitability metrics: Farmers and Merchants Bank

Return on Assets (ROA)
27th percentile nationally
0.75%
Return on Equity (ROE)
8.96%
Efficiency Ratio
67.82%

What these mean →

Income & expense at Farmers and Merchants Bank

$42M
Interest Income
$2M
Non-Interest Income
$18M
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 reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers and Merchants Bank on FDIC BankFind →

Top banks in Maryland by total assets

Largest banks headquartered in Maryland
  1. 1
    EagleBank $10.4B

    Bethesda, MD · Grade C

  2. 2
    Forbright Bank $7.9B

    Potomac, MD · Grade B

  3. 3
    Shore United Bank $6.3B

    Easton, MD · Grade B

  4. 4
    CFG Bank $5.7B

    Lutherville, MD · Grade B

  5. 5
    Capital Bank $3.5B

    Rockville, MD · Grade B

Top 5 banks in Maryland ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($872M here), outside Maryland so the neighborhood is not state containment.

Mechanics Bank $873M · OH The Savings Bank $873M · MA Nano Banc $875M · CA Windsor Federal Bank $875M · CT

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Bank (FDIC Cert #1895) - 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.

Farmers and Merchants Bank Call Report profile · FDIC Failed Bank List · Maryland FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Maryland

All Maryland banks →
BankAssetsGradeROA
EagleBankBethesda $10.4B C -1.20%
Forbright BankPotomac $7.9B B 1.35%
Shore United Bank, National AssociationEaston $6.3B B 1.08%
CFG BankLutherville $5.7B B 1.43%
Capital Bank, National AssociationRockville $3.5B B 1.51%
First United Bank & TrustOakland $2.1B A 1.27%
Rosedale BankNottingham $1.3B B 0.18%
Middletown Valley BankMiddletown $1.1B B 0.90%