C
Farmers and Merchants Bank
UppercoMD
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers and Merchants Bank
Upperco, MD
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Rating C
Asset Quality Index 6.10
Capitalization Index 7.70
Liquidity Index 0.20
Profitability Index 3.70
Stability Index 3.70
Company Info Farmers and Merchants Bank
Upperco, MD
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FDIC Number 1895
Phone Number (410) 833-6600
Website www.fmb1919.bank
Asset Quality Farmers and Merchants Bank
Upperco, MD
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1-Year Asset Growth 5.42%
5-Year Asset Growth 18.13%
5-Year Charge-Offs to Average Loans -0.02%
Charge-Offs to Average Loans 0.11%
Non-Performing Assets to Assets 0.92%
Non-Performing Loans to Capital 3.40%
Non-Performing Loans to Loans 0.80%
Balance Sheet Farmers and Merchants Bank
Upperco, MD
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Total Assets 841.71M
Total Deposits 750.16M
Capital and Reserves Farmers and Merchants Bank
Upperco, MD
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Capital 69.33M
Leverage Ratio 9.43
Loan Loss Reserves to Loans 0.68%
Risk-Based Capital Ratio 11.88
Liquidity Farmers and Merchants Bank
Upperco, MD
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Hot Money Ratio 39.39%
Liquidity Ratio 20.05%
Profitability Farmers and Merchants Bank
Upperco, MD
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5-Year Return on Average Assets 0.78%
Net Income 2.54M
Net Interest Spread 2.97%
Operating Profit to Average Assets 0.78%
Overhead Efficiency Ratio 73.30%
Return on Assets 0.62%
Return on Equity 7.41%