| Weiss Ratings |
Farmers and Merchants Bank
Salisbury, NC |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.70 | |||
| Profitability Index | 9.80 | |||
| Stability Index | 7.00 | |||
| Company Info |
Farmers and Merchants Bank
Salisbury, NC |
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| FDIC Number | 2036 | |||
| Phone Number | (704) 633-1772 | |||
| Website | www.fmbnc.com | |||
| Asset Quality |
Farmers and Merchants Bank
Salisbury, NC |
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| 1-Year Asset Growth | 5.33% | |||
| 5-Year Asset Growth | 7.45% | |||
| 5-Year Charge-Offs to Average Loans | -0.08% | |||
| Charge-Offs to Average Loans | -0.03% | |||
| Non-Performing Assets to Assets | 0.23% | |||
| Non-Performing Loans to Capital | 2.34% | |||
| Non-Performing Loans to Loans | 0.18% | |||
| Balance Sheet |
Farmers and Merchants Bank
Salisbury, NC |
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| Total Assets | 947.19M | |||
| Total Deposits | 799.19M | |||
| Capital and Reserves |
Farmers and Merchants Bank
Salisbury, NC |
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| Capital | 140.07M | |||
| Leverage Ratio | 14.80 | |||
| Loan Loss Reserves to Loans | 1.99% | |||
| Risk-Based Capital Ratio | 25.73 | |||
| Liquidity |
Farmers and Merchants Bank
Salisbury, NC |
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| Hot Money Ratio | 6.82% | |||
| Liquidity Ratio | 48.21% | |||
| Profitability |
Farmers and Merchants Bank
Salisbury, NC |
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| 5-Year Return on Average Assets | 1.74% | |||
| Net Income | 15.60M | |||
| Net Interest Spread | 5.14% | |||
| Operating Profit to Average Assets | 2.86% | |||
| Overhead Efficiency Ratio | 51.98% | |||
| Return on Assets | 2.25% | |||
| Return on Equity | 15.74% | |||