A
Farmers and Merchants Bank of South Carolina
Rating Date
June 2025
Risk Based
Capital Ratio
38.89
Leverage
Ratio
13.11
Return On
Assets
1.66%
Total
Assets
416.47M
Capital
51.70M
Total
Deposits
363.62M
Net
Income
2.08M
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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 5.50
Profitability Index 8.60
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 10.49%
5-Year Asset Growth 5.42%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.17%
Non-Performing Assets to Assets 0.36%
Non-Performing Loans to Capital 1.54%
Non-Performing Loans to Loans 1.21%
Balance Sheet Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 416.47M
Total Deposits 363.62M
Capital and Reserves Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 51.70M
Leverage Ratio 13.11
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 38.89
Liquidity Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 5.80%
Liquidity Ratio 47.10%
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 2.08M
Net Interest Spread 3.84%
Operating Profit to Average Assets 2.14%
Overhead Efficiency Ratio 47.71%
Return on Assets 1.66%
Return on Equity 16.87%