A
Farmers and Merchants Bank of South Carolina
Rating Date
March 2026
Risk Based
Capital Ratio
41.20
Leverage
Ratio
15.59
Return On
Assets
1.49%
Total
Assets
495.36M
Capital
59.07M
Total
Deposits
435.28M
Net
Income
6.65M
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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 9.40
Capitalization Index 10.00
Liquidity Index 6.00
Profitability Index 8.20
Stability Index 6.20
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 -8.37%
5-Year Asset Growth 3.76%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.60%
Non-Performing Loans to Capital 2.74%
Non-Performing Loans to Loans 2.38%
Balance Sheet Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Total Assets 495.36M
Total Deposits 435.28M
Capital and Reserves Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Capital 59.07M
Leverage Ratio 15.59
Loan Loss Reserves to Loans 1.04%
Risk-Based Capital Ratio 41.20
Liquidity Farmers and Merchants Bank of South Carolina
Holly Hill, SC 		Click to
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Hot Money Ratio 5.06%
Liquidity Ratio 56.16%
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 6.65M
Net Interest Spread 3.89%
Operating Profit to Average Assets 1.91%
Overhead Efficiency Ratio 54.11%
Return on Assets 1.49%
Return on Equity 12.29%