A
Farmers and Merchants Bank of South Carolina
Rating Date
October 2025
Risk Based
Capital Ratio
39.97
Leverage
Ratio
15.59
Return On
Assets
1.62%
Total
Assets
410.48M
Capital
53.71M
Total
Deposits
355.48M
Net
Income
3.77M
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Weiss Ratings Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Rating A
Asset Quality Index 9.60
Capitalization Index 10.00
Liquidity Index 5.40
Profitability Index 8.70
Stability Index 6.50
Company Info Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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FDIC Number 1660
Phone Number (803) 496-3430
Website www.fmbsc.com
Asset Quality Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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1-Year Asset Growth 4.68%
5-Year Asset Growth 5.42%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.10%
Non-Performing Assets to Assets 0.37%
Non-Performing Loans to Capital 1.70%
Non-Performing Loans to Loans 1.23%
Balance Sheet Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 410.48M
Total Deposits 355.48M
Capital and Reserves Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 53.71M
Leverage Ratio 15.59
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 39.97
Liquidity Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 6.01%
Liquidity Ratio 45.55%
Profitability Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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5-Year Return on Average Assets 0.97%
Net Income 3.77M
Net Interest Spread 3.92%
Operating Profit to Average Assets 2.08%
Overhead Efficiency Ratio 50.51%
Return on Assets 1.62%
Return on Equity 14.76%