$567M
+1.4%y/y
Percentile by value59th percentileby value
FDIC
ASSETFM
Farmers and Merchants Bank
Baldwyn, MississippiFDIC Cert #15801
STATEEstablished 194112 branches
Holding company: FMB BANCSHARES INCRegulator: FED
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFarmers and Merchants Bank reported $567M in total assets. Deposits grew 6.85% over the prior year.
Return on assets was 1.77%, compared with an asset-peer median of 1.22%. The leverage ratio was 14.07%.
- Why is Noncurrent Loan Ratio above asset peers?
- Why is Tier 1 Leverage Ratio above asset peers?
- Why is Return on Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$486M
+6.9%y/y
Percentile by value60th percentileby value
FDIC
DEP$334M
+3.2%y/y
Percentile by value49th percentileby value
FDIC
LNLSNET1.77%
−46 bpsy/y
Peer standing80th percentile
FDIC
NETINC + ROA59.34%
+673 bpsy/y
Peer standing59th percentile
FDIC
NONIX + NIM + NONII + EEFFR14.07%
+101 bpsy/y
Peer standing86th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $447M | $379M |
| Q3 2021 | $451M | $380M |
| Q4 2021 | $470M | $403M |
| Q1 2022 | $485M | $422M |
| Q2 2022 | $474M | $414M |
| Q3 2022 | $472M | $413M |
| Q4 2022 | $471M | $400M |
| Q1 2023 | $474M | $412M |
| Q2 2023 | $486M | $394M |
| Q3 2023 | $502M | $408M |
| Q4 2023 | $500M | $402M |
| Q1 2024 | $546M | $447M |
| Q2 2024 | $538M | $436M |
| Q3 2024 | $531M | $424M |
| Q4 2024 | $529M | $427M |
| Q1 2025 | $559M | $455M |
| Q2 2025 | $528M | $452M |
| Q3 2025 | $528M | $446M |
| Q4 2025 | $523M | $444M |
| Q1 2026 | $567M | $486M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $25M |
| Investor CRE | $45.8M |
| Multifamily | $4.78M |
| Construction | $52M |
| 1–4 family | $124M |
| C&I | $33.5M |
| Agriculture | $10.5M |
| Other | $47M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.77%80th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE13.30%58th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.82%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.34%59th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+6.85%68th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+3.22%34th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.52%16th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ14.07%86th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.24%62nd percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.77%86th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.07%90th 1.90%Observations 57
ROE
FDIC
NETINC + ROE13.30%68th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.64%Median 10.22%90th 17.27%Observations 57
NIM
FDIC
NIM + NIMY4.82%86th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.00%Median 3.91%90th 5.09%Observations 57
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.34%80th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 54.71%Median 65.39%90th 83.91%Observations 57
Deposits YoY
FDIC
DEP+6.85%70th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.17%Median +3.57%90th +18.25%Observations 57
Loans YoY
FDIC
LNLSNET+3.22%18th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.53%Median +7.85%90th +21.45%Observations 57
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.52%20th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.06%Median 0.74%90th 2.07%Observations 57
Leverage
FDIC
RBC1AAJ14.07%88th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.64%Median 10.99%90th 14.24%Observations 57
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.24%66th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.38%90th 3.09%Observations 57
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 30%Median 148%90th 272%Observations 22
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.77%85th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.41%Median 1.02%90th 1.87%Observations 28
ROE
FDIC
NETINC + ROE13.30%63rd percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.34%Median 10.17%90th 18.78%Observations 28
NIM
FDIC
NIM + NIMY4.82%93rd percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.91%Median 3.85%90th 4.74%Observations 28
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR59.34%85th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 57.46%Median 66.94%90th 83.89%Observations 28
Deposits YoY
FDIC
DEP+6.85%78th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −1.36%Median +2.36%90th +9.30%Observations 28
Loans YoY
FDIC
LNLSNET+3.22%19th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.61%Median +8.10%90th +17.19%Observations 28
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.52%11th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.02%Median 0.64%90th 1.53%Observations 28
Leverage
FDIC
RBC1AAJ14.07%96th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 9.56%Median 10.90%90th 13.33%Observations 28
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.24%70th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.36%90th 3.00%Observations 28
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 29%Median 137%90th 246%Observations 10
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 12 branches
- Headquarters
- Baldwyn, MS
FDIC
OFFDOMOpen the Mississippi dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data