A
Farmers and Merchants Bank of South Carolina
Rating Date
October 2025
Risk Based
Capital Ratio
40.32
Leverage
Ratio
16.69
Return On
Assets
1.52%
Total
Assets
390.23M
Capital
57.86M
Total
Deposits
330.91M
Net
Income
5.12M
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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 9.50
Capitalization Index 10.00
Liquidity Index 5.20
Profitability Index 8.30
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 0.27%
5-Year Asset Growth 5.42%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.38%
Non-Performing Loans to Capital 1.11%
Non-Performing Loans to Loans 1.15%
Balance Sheet Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 390.23M
Total Deposits 330.91M
Capital and Reserves Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 57.86M
Leverage Ratio 16.69
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 40.32
Liquidity Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 7.06%
Liquidity Ratio 41.35%
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 5.12M
Net Interest Spread 3.93%
Operating Profit to Average Assets 1.96%
Overhead Efficiency Ratio 53.19%
Return on Assets 1.52%
Return on Equity 12.97%