A
Farmers and Merchants Bank of South Carolina
Rating Date
August 2026
Risk Based
Capital Ratio
43.43
Leverage
Ratio
16.56
Return On
Assets
1.63%
Total
Assets
413.56M
Capital
61.45M
Total
Deposits
350.84M
Net
Income
4.16M
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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 9.10
Capitalization Index 10.00
Liquidity Index 5.50
Profitability Index 8.30
Stability Index 6.90
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 0.75%
5-Year Asset Growth 3.76%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.75%
Non-Performing Loans to Capital 2.72%
Non-Performing Loans to Loans 2.52%
Balance Sheet Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 413.56M
Total Deposits 350.84M
Capital and Reserves Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 61.45M
Leverage Ratio 16.56
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 43.43
Liquidity Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 6.15%
Liquidity Ratio 46.99%
Profitability Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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5-Year Return on Average Assets 1.21%
Net Income 4.16M
Net Interest Spread 3.74%
Operating Profit to Average Assets 2.10%
Overhead Efficiency Ratio 48.61%
Return on Assets 1.63%
Return on Equity 13.74%