FDIC Cert #1745 · Waterloo, Alabama · Est. 1914

The Farmers & Merchants Bank - FDIC Bank Health Profile

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

Compiled from official public sources by the publisher.
$100M
Total assets
B
Health grade · Good
0.16%
Return on assets
16.7%
Tier 1 capital

Data updated July 2026

The verdict

The Farmers & Merchants Bank earns a PlainBankData health grade of B (67/100), with well-capitalized at 16.72% Tier 1, 0.16% ROA, 89% efficiency ratio.

#3,739
largest of 4,313 FDIC banks by assets
13th
percentile by asset size, nationally
16.72%
Tier 1 ratio - above the 10% well-capitalized line
7th
percentile for profitability (ROA), nationally

PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.

FDIC Call Report plate

Cert 1745 · AL B · 67/100

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

  • GRADE-B B (67/100)
  • LOWER-Q #3272/4307
  • PHOTO-FINISH Western Bank · TX
  • TIER1-WELL 16.7% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-THIN 0.16% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Alabama: Western Bank, TX (±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 The Farmers & Merchants Bank

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

Morgan Stanley Bank,… · UT ·…100/100Arlington State Bank · MN · …67/100Root River State Bank · MN ·…67/100The Farmers & Mercha… · AL ·…67/100Uinta Bank · WY · near67/100Western Bank · TX · near67/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Farmers & Merchants Bank · July 2026

What The Farmers & Merchants Bank's Call Report plate shows

The Farmers & Merchants Bank (FDIC Cert #1745) carries a PlainBankData health grade of B at 67/100, 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 #3,272 of 4,307. Tier 1 capital prints at 16.72%, clearing the 10% well-capitalized line. The Texas Ratio is 0.37%, inside the sub-50% band analysts treat as healthy. Return on assets is 0.16%. Balance-sheet scale is $100M, 3,739th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is Western Bank (TX), 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 The Farmers & Merchants Bank

7 FAILURE resolutions in Alabama since 2000 (7 since 2008)

The Farmers & Merchants Bank's home state sits in the middle band of post-2000 FAILURE counts (7; 7 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; The Farmers & Merchants Bank remains an active FDIC-insured reporter.

  • ALABAMA TRUST BANK, NATIONAL ASSOCIATION SYLACAUGA, AL 2012 → SOUTHERN STATES BANK
  • SUPERIOR BANK BIRMINGHAM, AL 2011 → SUPERIOR BANK, N.A.
  • NEXITY BANK BIRMINGHAM, AL 2011 → ALOSTAR BANK OF COMMERCE

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

How The Farmers & Merchants Bank's 67/100 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 avg77/10067/100
The Farmers & Merchants Bank's composite health score
Tier 1 Capital Ratio (16.72%) 40/40
Return on Assets (ROA) (0.16%) 7/25
Texas Ratio (0.37%) 20/20
Efficiency Ratio (88.60%) 0/15

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

Balance sheet at a glance

Total Assets

$100M

Total balance-sheet footings

Total Deposits

$88M

Customer-funded liabilities

Net Loans

$5M

Outstanding loan book

Net Income

$156K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% 18% 21% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 15.32% 16.72% 18.12%
Basel III capital ratios - The Farmers & Merchants Bank

Where The Farmers & Merchants Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers & Merchants Bank's score of 67/100 falls in the highlighted band.

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

0-100 composite health score, FDIC Call Reports

67 24th percentile higher than 24% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Farmers & 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

The Farmers & 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). The Farmers & Merchants Bank's $100M falls in the highlighted band.

Safety ratios for The Farmers & Merchants Bank

Tier 1 capital ratio
Well-capitalized 10%

16.72% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
16.72%
Texas Ratio
0.37%
Equity Capital
$11M

What these ratios mean →

Profitability metrics: The Farmers & Merchants Bank

Return on Assets (ROA)
7th percentile nationally
0.16%
Return on Equity (ROE)
1.55%
Efficiency Ratio
88.60%

What these mean →

Income & expense at The Farmers & Merchants Bank

$3M
Interest Income
$173K
Non-Interest Income
$1M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers & Merchants Bank reports a Texas Ratio of 0.37% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.37% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Farmers & Merchants Bank on FDIC BankFind →

Top banks in Alabama by total assets

Largest banks headquartered in Alabama
  1. 1
    Regions Bank $157.4B

    Birmingham, AL · Grade A

  2. 2
    ServisFirst Bank $17.7B

    Birmingham, AL · Grade A

  3. 3
    River Bank & Trust $3.8B

    Prattville, AL · Grade A

  4. 4
    Bank Independent $3.0B

    Sheffield, AL · Grade B

  5. 5
    Bryant Bank $2.9B

    Tuscaloosa, AL · Grade A

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($100M here), outside Alabama so the neighborhood is not state containment.

Breda Savings Bank $100M · IA Strasburg State Bank $100M · ND Warsaw Federal Savings and Loan Assoc… $101M · OH United Orient Bank $101M · NY

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers & Merchants Bank (FDIC Cert #1745) - 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.

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

Other banks in Alabama

All Alabama banks →
BankAssetsGradeROA
Regions BankBirmingham $157.4B A 1.43%
ServisFirst BankBirmingham $17.7B A 1.58%
River Bank & TrustPrattville $3.8B A 1.18%
Bank IndependentSheffield $3.0B B 1.01%
Bryant BankTuscaloosa $2.9B A 1.69%
CB&S Bank, Inc.Russellville $2.9B C 0.85%
Oakworth Capital BankBirmingham $2.0B B 1.17%
Troy Bank & Trust CompanyTroy $1.6B A 1.34%