Farmers & Merchants Bank of Craig County

New Castle, VA

Rating Date

March 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	8.60
Capitalization Index	10.00
Liquidity Index	0.40
Profitability Index	4.80
Stability Index	3.70

Company Info	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	9986
Phone Number	(540) 864-5156
Website	www.fmbankcraig.com

Asset Quality	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	4.97%
5-Year Asset Growth	6.30%
5-Year Charge-Offs to Average Loans	0.04%
Charge-Offs to Average Loans	-0.08%
Non-Performing Assets to Assets	0.04%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
Total Assets	92.76M
Total Deposits	76.83M

Capital and Reserves	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
Capital	15.60M
Leverage Ratio	16.98
Loan Loss Reserves to Loans	1.25%
Risk-Based Capital Ratio	--

Liquidity	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	18.48%
Liquidity Ratio	29.80%

Profitability	Farmers & Merchants Bank of Craig County New Castle, VA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.98%
Net Income	908.00K
Net Interest Spread	3.43%
Operating Profit to Average Assets	1.27%
Overhead Efficiency Ratio	62.18%
Return on Assets	1.00%
Return on Equity	5.99%