Vitals
  • Total Assets
    745.1M 12.0 %
  • Total Deposits
    538.2M 8.4 %
  • Total Net Loans
    646.8M 9.1 %
  • Net Income
    9.3M 13.1 %
  • Book Value
    85.5M 4.7 %
  • Book Value x2
    171.0M 4.7 %
  • Book Value x3
    256.4M 4.7 %
ROAA

1.348

ROAE

11.151

Efficiency Ratio

59.81

Net Interest Margin

4.289

Balance Sheet Highlights
Financial Highlights Farmers & Merchants Bank All Insured Commercial Banks in Virginia
Balance Sheet $(000)
Total Assets 745,061 858,303
Total Net Loans 646,828 607,607
Total Deposits 538,240 699,932
Total Equity 86,174 97,657
Profitability
Net Income 9,320 7,896
Return on Average Assets 1.348 .794
Return on Average Equity 11.151 6.983
Net Interest Margin 4.289 3.805
Efficiency Ratio 59.81 71.157
Noninterest Income/Revenue 10.216 16.327
Balance Sheet Ratios
Loan-to-Deposit 120.175 84.705
Securities/Assets .033 .136
Total Equity/Total Assets .116 .114
Tangible Equity/Tangible Assets .111 .103
Capital Adequacy
Tier 1 Common Capital 82,811 87,521
Tier 1 Capital 82,811 87,589
Tier 2 Capital 7,543 6,159
Total Capital 90,354 93,977
Total Risk Weighted Assets 620,193 657,024
Leverage Ratio 11.4 10.765
Common Equity Tier 1 Capital Ratio 13.35 14.768
Tier 1 Capital Ratio 13.35 14.769
Total Capital Ratio 14.57 15.893

Timeline for Farmers & Merchants Bank

Teb Life Insurance Company

Teb Life Insurance Company became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Mar 31 2009

Vbs Mortgage, Llc

Vbs Mortgage, Llc became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Nov 03 2008

Farmers & Merchants Financial Services, Inc.

Farmers & Merchants Financial Services, Inc. became a new subsidiary organization for Farmers & Merchants Bank.

View Profile Feb 25 1993

F & M Bank Corp.

F & M Bank Corp. became a new parent organization for Farmers & Merchants Bank.

View Profile Jul 02 1984

Farmers & Merchants Bank

Farmers & Merchants Bank was established 116 years ago and is currently headquartered in Timberville, VA.

Jan 01 1908
Relationships Role Relationship Start Relationship End
F & M Bank Corp. Parent 7/2/1984
Teb Life Insurance Company Subsidary 3/31/2009
Farmers & Merchants Financial Services, Inc. Subsidary 6/30/2007
Vbs Mortgage, Llc Subsidary 11/3/2008
Farmers & Merchants Financial Services, Inc. Subsidary 2/25/1993 6/29/2007
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