A
Farmers & Mechanics Mutl (WV)
Rating Date
June 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
4.90
Risk Adjusted
Capital Ratio #2
3.30
Loss
Ratio
55.39%
Total
Assets
120.01M
Capital
88.54M
Net
Premiums
37.45M
Net
Income
1.18M
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Weiss Ratings Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Rating A
Capitalization Index 10.00
Investment Safety Index --
Liquidity Index 8.40
Profitability Index 8.60
Reserve Adequacy Index 6.80
Stability Index 6.70
Company Info Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Industry P&C
NAIC Number 36315
Phone Number (304) 263-0809
Website www.fmiwv.com
Address 25 Administrative Drive Martinsburg, WV 25404
Balance Sheet Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Total Assets 120.01M
Capital and Reserves Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Risk-Adjusted Capital Ratio #1 4.90
Risk-Adjusted Capital Ratio #2 3.30
1-Year Reserve Development 20.00%
2-Year Reserve Development 330.00%
Capital 88.54M
Premium to Surplus 40.00%
Reserves to Surplus 10.00%
Investments Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates 4.87%
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Medical Loss Ratio --
Cash From Underwriting 120.00%
Combined Ratio 80.00%
Expense Ratio 30.00%
Loss Ratio 55.39%
Net Premium Growth 20.00%
Other Medical Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Bonus Pay --
Capitation Pay --
Contractual Pay --
Enrollment --
Fee For Service --
Medical Expense Per Member Per Month --
Network Physicians --
Other Pay --
Salary Pay --
Total Patient Encounters - Physician --
Total Patient Encounters-Non-Physician --
Profitability Farmers & Mechanics Mutl (WV)
Martinsburg, WV 		Click to
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Net Income 1.18M
Net Premium 37.45M
Health Premium --