| Weiss Ratings |
Farmers & Merchants Bank
Piedmont, AL |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.10 | |||
| Profitability Index | 3.40 | |||
| 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 | 5.27% | |||
| 5-Year Asset Growth | 2.22% | |||
| 5-Year Charge-Offs to Average Loans | 0.30% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.01% | |||
| Non-Performing Loans to Capital | 2.93% | |||
| Non-Performing Loans to Loans | 0.01% | |||
| Balance Sheet |
Farmers & Merchants Bank
Piedmont, AL |
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| Total Assets | 310.55M | |||
| Total Deposits | 276.60M | |||
| Capital and Reserves |
Farmers & Merchants Bank
Piedmont, AL |
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| Capital | 31.89M | |||
| Leverage Ratio | 12.32 | |||
| Loan Loss Reserves to Loans | 1.42% | |||
| Risk-Based Capital Ratio | 18.35 | |||
| Liquidity |
Farmers & Merchants Bank
Piedmont, AL |
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| Hot Money Ratio | 17.72% | |||
| Liquidity Ratio | 36.60% | |||
| Profitability |
Farmers & Merchants Bank
Piedmont, AL |
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| 5-Year Return on Average Assets | 0.62% | |||
| Net Income | 2.14M | |||
| Net Interest Spread | 4.06% | |||
| Operating Profit to Average Assets | 0.95% | |||
| Overhead Efficiency Ratio | 77.22% | |||
| Return on Assets | 0.70% | |||
| Return on Equity | 7.34% | |||