B
Farmers and Merchants Bank
ArnettOK
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers and Merchants Bank
Arnett, OK
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 5.00
Profitability Index 6.10
Stability Index 7.70
Company Info Farmers and Merchants Bank
Arnett, OK
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FDIC Number 13415
Phone Number (580) 885-7515
Website www.fmbankarnett.com
Asset Quality Farmers and Merchants Bank
Arnett, OK
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1-Year Asset Growth 6.37%
5-Year Asset Growth 7.35%
5-Year Charge-Offs to Average Loans 0.23%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.10%
Non-Performing Loans to Loans 0.04%
Balance Sheet Farmers and Merchants Bank
Arnett, OK
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Total Assets 76.28M
Total Deposits 66.55M
Capital and Reserves Farmers and Merchants Bank
Arnett, OK
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Capital 9.25M
Leverage Ratio 12.97
Loan Loss Reserves to Loans 2.02%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants Bank
Arnett, OK
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Hot Money Ratio 20.63%
Liquidity Ratio 46.87%
Profitability Farmers and Merchants Bank
Arnett, OK
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5-Year Return on Average Assets 1.16%
Net Income 608.00K
Net Interest Spread 3.23%
Operating Profit to Average Assets 1.59%
Overhead Efficiency Ratio 50.54%
Return on Assets 1.59%
Return on Equity 13.50%