B
Farmers & Mechanics F&C Ins Co
Rating Date
October 2025
NAIC
Classification
Property & Casualty
Risk Adjusted
Capital Ratio #1
0.91
Risk Adjusted
Capital Ratio #2
0.75
Loss
Ratio
82.36%
Total
Assets
23.18M
Capital
5.66M
Net
Premiums
8.89M
Net
Income
385.29K
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Weiss Ratings Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Rating B
Capitalization Index 5.00
Investment Safety Index --
Liquidity Index 6.20
Profitability Index 2.00
Reserve Adequacy Index 7.30
Stability Index 3.60
Company Info Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Industry P&C
NAIC Number 12611
Phone Number (304) 263-0809
Website www.fmiwv.com
Address 25 Administrative Drive Martinsburg, WV 25404
Balance Sheet Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Total Assets 23.18M
Capital and Reserves Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Risk-Adjusted Capital Ratio #1 0.91
Risk-Adjusted Capital Ratio #2 0.75
1-Year Reserve Development 610.00%
2-Year Reserve Development -220.00%
Capital 5.66M
Premium to Surplus 370.00%
Reserves to Surplus 100.00%
Investments Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Cash --
CMO & Structured Securities --
Common & Preferred Stock --
Invested Assets --
Investments in Affiliates --
Mortgages in Good Standing --
Non-Investment Grade Bonds --
Non-Performing Mortgages --
Other Investment Grade Bonds --
Other Investments --
Real Estate --
Operating Ratios Farmers & Mechanics F&C Ins Co
Martinsburg, WV 		Click to
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Medical Loss Ratio --
Cash From Underwriting 100.00%
Combined Ratio 110.00%
Expense Ratio 30.00%
Loss Ratio 82.36%
Net Premium Growth 20.00%
Other Medical Farmers & Mechanics F&C Ins Co
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 F&C Ins Co
Martinsburg, WV 		Click to
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Net Income 385.29K
Net Premium 8.89M
Health Premium --