C
Farmers & Merchants Bank
Rating Date
October 2025
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 5.30
Capitalization Index 6.70
Liquidity Index 4.30
Profitability Index 3.60
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 1.05%
5-Year Asset Growth 11.98%
5-Year Charge-Offs to Average Loans 0.15%
Charge-Offs to Average Loans 0.28%
Non-Performing Assets to Assets 1.00%
Non-Performing Loans to Capital 8.40%
Non-Performing Loans to Loans 1.56%
Balance Sheet Farmers & Merchants Bank
Timberville, VA
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Total Assets 1.36B
Total Deposits 1.24B
Capital and Reserves Farmers & Merchants Bank
Timberville, VA
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Capital 102.55M
Leverage Ratio 8.69
Loan Loss Reserves to Loans 0.90%
Risk-Based Capital Ratio 13.70
Liquidity Farmers & Merchants Bank
Timberville, VA
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Hot Money Ratio 10.38%
Liquidity Ratio 22.69%
Profitability Farmers & Merchants Bank
Timberville, VA
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5-Year Return on Average Assets 0.68%
Net Income 8.16M
Net Interest Spread 3.29%
Operating Profit to Average Assets 0.95%
Overhead Efficiency Ratio 70.33%
Return on Assets 0.81%
Return on Equity 11.51%