| Weiss Ratings |
Farmers & Merchants Bank
Piedmont, AL |
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| Rating | ||||
| Asset Quality Index | 8.10 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.80 | |||
| Profitability Index | 4.30 | |||
| Stability Index | 5.40 | |||
| 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 | -1.88% | |||
| 5-Year Asset Growth | 2.22% | |||
| 5-Year Charge-Offs to Average Loans | 0.28% | |||
| Charge-Offs to Average Loans | 0.10% | |||
| Non-Performing Assets to Assets | 0.67% | |||
| Non-Performing Loans to Capital | 3.96% | |||
| Non-Performing Loans to Loans | 1.34% | |||
| Balance Sheet |
Farmers & Merchants Bank
Piedmont, AL |
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| Total Assets | 308.74M | |||
| Total Deposits | 268.63M | |||
| Capital and Reserves |
Farmers & Merchants Bank
Piedmont, AL |
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| Capital | 31.99M | |||
| Leverage Ratio | 12.73 | |||
| Loan Loss Reserves to Loans | 1.27% | |||
| Risk-Based Capital Ratio | 17.87 | |||
| Liquidity |
Farmers & Merchants Bank
Piedmont, AL |
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| Hot Money Ratio | 21.18% | |||
| Liquidity Ratio | 32.21% | |||
| Profitability |
Farmers & Merchants Bank
Piedmont, AL |
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| 5-Year Return on Average Assets | 0.62% | |||
| Net Income | 1.32M | |||
| Net Interest Spread | 4.15% | |||
| Operating Profit to Average Assets | 1.06% | |||
| Overhead Efficiency Ratio | 76.08% | |||
| Return on Assets | 0.85% | |||
| Return on Equity | 8.22% | |||