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BDI
FM

Farmers and Merchants Bank

Upperco, MarylandFDIC Cert #1895

STATEEstablished 19199 branches

Holding company: FARMERS&MERCHANTS BANCSHARESRegulator: FDIC

FDICCERT + OFFDOM

Balance sheet & income statement

Financials

Reported balance-sheet positions and year-to-date earnings from the latest FDIC Call Report.

As of Q1 2026

Balance sheet trend

Assets & deposits

Time range
Reporting mode
Assets and deposits by reporting quarter
QuarterAssetsDeposits
Q2 2021$708M$614M
Q3 2021$717M$624M
Q4 2021$718M$630M
Q1 2022$719M$637M
Q2 2022$710M$632M
Q3 2022$717M$642M
Q4 2022$718M$625M
Q1 2023$723M$639M
Q2 2023$730M$634M
Q3 2023$757M$646M
Q4 2023$800M$682M
Q1 2024$794M$657M
Q2 2024$798M$652M
Q3 2024$818M$675M
Q4 2024$845M$760M
Q1 2025$817M$737M
Q2 2025$842M$750M
Q3 2025$870M$737M
Q4 2025$872M$722M
Q1 2026$863M$712M

Balance sheet

Core assets, funding, and capital reported at quarter end.

Assets
$863M
+5.6%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICASSET
Deposits
$712M
−3.3%y/y
Percentile by value88th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICDEP
Gross loans
$633M
+4.7%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSGR
Net loans
$629M
+4.7%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLNLSNET
Securities
$134M
−7.7%y/y
Percentile by value71st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICSC
Cash
$48.3M
+99.1%y/y
Percentile by value65th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICCHBAL
Liabilities
$786M
+5.0%y/y
Percentile by value91st percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICLIAB
Equity
$77.4M
+12.6%y/y
Peer standing80th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICEQ

Income statement

Year-to-date reported earnings and core revenue components.

Revenue
$7.51M
+24.9%y/y
Peer standing76th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM + NONII
NII
$7.03M
+25.4%y/y
Peer standing82nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNIM
Noninterest income
$481K
+17.6%y/y
Peer standing43rd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNONII
Provision
$0
−100.0%y/y
Percentile by value8th percentileby value
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICELNATR
Pretax income
$2.76M
+86.3%y/y
Peer standing72nd percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICPTAXNETINC
Net income
$2.05M
+66.3%y/y
Peer standing65th percentile
Peer standing in FFIEC UBPR Peer Group 5 — Insured commercial banks having assets between $300 million and $1 billion
FDICNETINC