B
Farmers & Merchants Bank
Rating Date
August 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 B
Asset Quality Index 6.30
Capitalization Index 7.20
Liquidity Index 4.20
Profitability Index 5.20
Stability Index 6.20
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 6.53%
5-Year Asset Growth 8.39%
5-Year Charge-Offs to Average Loans 0.19%
Charge-Offs to Average Loans 0.07%
Non-Performing Assets to Assets 0.65%
Non-Performing Loans to Capital 4.86%
Non-Performing Loans to Loans 0.98%
Balance Sheet Farmers & Merchants Bank
Timberville, VA
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Total Assets 1.40B
Total Deposits 1.27B
Capital and Reserves Farmers & Merchants Bank
Timberville, VA
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Capital 116.04M
Leverage Ratio 9.10
Loan Loss Reserves to Loans 0.87%
Risk-Based Capital Ratio 14.43
Liquidity Farmers & Merchants Bank
Timberville, VA
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Hot Money Ratio 8.22%
Liquidity Ratio 22.92%
Profitability Farmers & Merchants Bank
Timberville, VA
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5-Year Return on Average Assets 0.66%
Net Income 8.65M
Net Interest Spread 3.66%
Operating Profit to Average Assets 1.45%
Overhead Efficiency Ratio 58.19%
Return on Assets 1.23%
Return on Equity 15.59%