C
Farmers & Merchants Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Bank
Timberville, VA
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Rating C
Asset Quality Index 5.60
Capitalization Index 6.70
Liquidity Index 4.30
Profitability Index 3.60
Stability Index 5.90
Company Info Farmers & Merchants Bank
Timberville, VA
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FDIC Number 8668
Phone Number (540) 896-8941
Website www.fmbankva.com
Asset Quality Farmers & Merchants Bank
Timberville, VA
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1-Year Asset Growth 5.56%
5-Year Asset Growth 8.39%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.34%
Non-Performing Assets to Assets 0.83%
Non-Performing Loans to Capital 6.74%
Non-Performing Loans to Loans 1.28%
Balance Sheet Farmers & Merchants Bank
Timberville, VA
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Total Assets 1.37B
Total Deposits 1.25B
Capital and Reserves Farmers & Merchants Bank
Timberville, VA
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Capital 107.98M
Leverage Ratio 8.73
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio 14.04
Liquidity Farmers & Merchants Bank
Timberville, VA
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Hot Money Ratio 9.80%
Liquidity Ratio 22.65%
Profitability Farmers & Merchants Bank
Timberville, VA
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5-Year Return on Average Assets 0.68%
Net Income 11.25M
Net Interest Spread 3.33%
Operating Profit to Average Assets 0.96%
Overhead Efficiency Ratio 69.36%
Return on Assets 0.83%
Return on Equity 11.58%