| Weiss Ratings |
Farmers and Merchants Bank
Salisbury, NC |
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| Rating | ||||
| Asset Quality Index | 8.80 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 3.60 | |||
| 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 | 0.68% | |||
| 5-Year Asset Growth | 7.45% | |||
| 5-Year Charge-Offs to Average Loans | -0.08% | |||
| Charge-Offs to Average Loans | -0.10% | |||
| Non-Performing Assets to Assets | 0.26% | |||
| Non-Performing Loans to Capital | 2.29% | |||
| Non-Performing Loans to Loans | 0.22% | |||
| Balance Sheet |
Farmers and Merchants Bank
Salisbury, NC |
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| Total Assets | 925.78M | |||
| Total Deposits | 782.83M | |||
| Capital and Reserves |
Farmers and Merchants Bank
Salisbury, NC |
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| Capital | 130.81M | |||
| Leverage Ratio | 14.56 | |||
| Loan Loss Reserves to Loans | 2.00% | |||
| Risk-Based Capital Ratio | 24.73 | |||
| Liquidity |
Farmers and Merchants Bank
Salisbury, NC |
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| Hot Money Ratio | 5.93% | |||
| Liquidity Ratio | 46.50% | |||
| Profitability |
Farmers and Merchants Bank
Salisbury, NC |
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| 5-Year Return on Average Assets | 1.74% | |||
| Net Income | 4.97M | |||
| Net Interest Spread | 5.11% | |||
| Operating Profit to Average Assets | 2.80% | |||
| Overhead Efficiency Ratio | 52.97% | |||
| Return on Assets | 2.20% | |||
| Return on Equity | 15.53% | |||