Total Assets
$872M
Total balance-sheet footings
2026 data FDIC sourced Public-data reference.
Farmers and Merchants Bank — FDIC Bank Health Profile
Upperco, Maryland · Est. 1919. Free, sourced from the FDIC BankFind Suite — refreshed each quarter and cross-checked against the FDIC Call Report.
State chartered State member bank FDIC Cert #1895 New York Region
C
Health grade
Fair
Score: 50/100
Basel III capital ratios — Farmers and Merchants Bank
Total Deposits
$722M
Customer-funded liabilities
Net Loans
$634M
Outstanding loan book
Net Income
$6M
Bottom-line earnings
Safety Metrics
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
Core capital ÷ risk-weighted assets. Well-capitalized: ≥10%
11.65%
Texas Ratio
Non-performing loans ÷ equity. Danger zone: >100%
—
Equity Capital
Tangible book value as a capital buffer
$76M
Profitability Metrics
Return on Assets (ROA)
Net income ÷ assets. Healthy: ≥1%
0.75%
Return on Equity (ROE)
Net income ÷ equity. Industry avg: ~10%
8.96%
Efficiency Ratio
Operating costs ÷ revenue. Efficient: <60%
67.82%
Income & Expense Breakdown
$42M
Interest Income
$2M
Non-Interest Income
$18M
Non-Interest Expense
FDIC Deposit Insurance
Farmers and Merchants Bank is FDIC-insured (Certificate #1895). Your deposits are protected up to $250,000 per depositor, per account category regardless of this bank's health grade.
What the Numbers Say About Farmers and Merchants Bank
Farmers and Merchants Bank is an FDIC-insured institution (Certificate #1895) headquartered in Upperco, Maryland, established in 1919. The bank currently holds $872M in total assets and $722M in customer deposits, with $634M deployed as loans. It operates as a State chartered (State member bank) within the FDIC New York region. These figures come directly from the bank's quarterly FDIC Call Report and reflect the balance sheet as of the latest regulatory filing.
On safety metrics, Farmers and Merchants Bank reports a Tier 1 Capital Ratio of 11.65% — above the 10% federal threshold for "well-capitalized" status and a Texas Ratio of —. Equity capital stands at $76M, serving as the tangible buffer against loan losses. On profitability, the bank posted a Return on Assets of 0.75% and a Return on Equity of 8.96%, with an Efficiency Ratio of 67.82% — above the 60% benchmark, meaning a larger share of revenue is consumed by operating costs. The combined picture yields a PlainBankData health grade of C (50/100), a composite score that blends all four dimensions.
Not financial advice. This page summarizes public FDIC Call Report data for informational purposes only. Health grades are our interpretation of regulatory filings and are not official FDIC ratings, endorsements, or predictions. Regardless of grade, every dollar on deposit at Farmers and Merchants Bank is protected by FDIC insurance up to $250,000 per depositor, per ownership category — even if the bank were to fail. For decisions about where to hold deposits, consult a qualified financial professional and verify the latest figures directly at the FDIC's BankFind Suite.
Top 5 banks in Maryland by total assets
Source: FDIC BankFind Suite — Call Report (FFIEC 031/041) + CRA performance data Farmers and Merchants Bank (FDIC Cert #1895) — Tier 1 capital ratio, total assets, deposits, CRA rating · 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 Maryland
All Maryland banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| EagleBank Bethesda | $10.4B | D | -1.10% |
| Forbright Bank Potomac | $7.9B | F | 1.35% |
| Shore United Bank, National Association Easton | $6.3B | C | 1.08% |
| CFG Bank Lutherville | $5.7B | B | 1.43% |
| Capital Bank, National Association Rockville | $3.5B | C | 1.51% |
| First United Bank & Trust Oakland | $2.1B | B | 1.27% |
| Rosedale Bank Nottingham | $1.3B | F | 0.18% |
| Middletown Valley Bank Middletown | $1.1B | C | 0.90% |
Frequently Asked Questions
What is Farmers and Merchants Bank's health grade? ▼
Farmers and Merchants Bank receives a health grade of C (50/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank meets regulatory minimums but has some areas of financial weakness to monitor.
How large is Farmers and Merchants Bank? ▼
Farmers and Merchants Bank holds $872M in total assets and $722M in deposits. It is headquartered in Upperco, Maryland.
Is my money safe at Farmers and Merchants Bank? ▼
Yes. Farmers and Merchants Bank is FDIC-insured (Certificate #1895). Your deposits are protected up to $250,000 per depositor, per account category, regardless of the bank's health grade. If a bank fails, the FDIC typically makes insured deposits available within one business day.
What is Farmers and Merchants Bank's Tier 1 Capital Ratio? ▼
Farmers and Merchants Bank has a Tier 1 Capital Ratio of 11.65%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
How efficient is Farmers and Merchants Bank? ▼
Farmers and Merchants Bank has an Efficiency Ratio of 67.82%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
Bank Safety Guides
Related Data Sources
Data from the FDIC BankFind Suite API. Financial data as of Q4 2025.
Related
Data sourced from official U.S. government datasets. See our methodology for details. Retrieved and formatted by PlainBankData Editorial
Disclaimer: This information is provided for informational purposes only and does not constitute professional advice. Data is sourced from the FDIC BankFind Suite. Consult a qualified professional before making decisions based on this data.
Read our methodology — how this data is sourced, computed, and verified.