| Weiss Ratings |
Farmers & Merchants Bank
Piedmont, AL |
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| Rating | ||||
| Asset Quality Index | 9.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.30 | |||
| Profitability Index | 3.30 | |||
| Stability Index | 5.50 | |||
| Company Info |
Farmers & Merchants Bank
Piedmont, AL |
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| FDIC Number | 1735 | |||
| Phone Number | (256) 447-9041 | |||
| Website | www.fandm.bank | |||
| Asset Quality |
Farmers & Merchants Bank
Piedmont, AL |
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| 1-Year Asset Growth | 6.71% | |||
| 5-Year Asset Growth | 3.00% | |||
| 5-Year Charge-Offs to Average Loans | 0.30% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.10% | |||
| Non-Performing Loans to Capital | 0.52% | |||
| Non-Performing Loans to Loans | 0.23% | |||
| Balance Sheet |
Farmers & Merchants Bank
Piedmont, AL |
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| Total Assets | 310.37M | |||
| Total Deposits | 276.97M | |||
| Capital and Reserves |
Farmers & Merchants Bank
Piedmont, AL |
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| Capital | 31.06M | |||
| Leverage Ratio | 12.19 | |||
| Loan Loss Reserves to Loans | 1.44% | |||
| Risk-Based Capital Ratio | 18.20 | |||
| Liquidity |
Farmers & Merchants Bank
Piedmont, AL |
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| Hot Money Ratio | 16.87% | |||
| Liquidity Ratio | 37.89% | |||
| Profitability |
Farmers & Merchants Bank
Piedmont, AL |
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| 5-Year Return on Average Assets | 0.62% | |||
| Net Income | 1.64M | |||
| Net Interest Spread | 4.04% | |||
| Operating Profit to Average Assets | 0.92% | |||
| Overhead Efficiency Ratio | 77.81% | |||
| Return on Assets | 0.72% | |||
| Return on Equity | 7.73% | |||