B
Farmers and Miners Bank
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers and Miners Bank
Pennington Gap, VA
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 3.70
Profitability Index 7.60
Stability Index 7.00
Company Info Farmers and Miners Bank
Pennington Gap, VA
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FDIC Number 22888
Phone Number (276) 546-4692
Website www.farmersandminersbank.com
Asset Quality Farmers and Miners Bank
Pennington Gap, VA
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1-Year Asset Growth 2.57%
5-Year Asset Growth 6.46%
5-Year Charge-Offs to Average Loans 0.09%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.23%
Non-Performing Loans to Capital 1.22%
Non-Performing Loans to Loans 0.44%
Balance Sheet Farmers and Miners Bank
Pennington Gap, VA
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Total Assets 179.84M
Total Deposits 154.87M
Capital and Reserves Farmers and Miners Bank
Pennington Gap, VA
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Capital 24.02M
Leverage Ratio 13.50
Loan Loss Reserves to Loans 1.62%
Risk-Based Capital Ratio --
Liquidity Farmers and Miners Bank
Pennington Gap, VA
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Hot Money Ratio 19.92%
Liquidity Ratio 44.36%
Profitability Farmers and Miners Bank
Pennington Gap, VA
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5-Year Return on Average Assets 1.04%
Net Income 1.39M
Net Interest Spread 4.83%
Operating Profit to Average Assets 1.92%
Overhead Efficiency Ratio 62.83%
Return on Assets 1.55%
Return on Equity 11.92%