Farmers&Merchants Bank (FDIC #15801): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #15801): bank stress 43/100, contained, STABLE over 7 days; parent FMB BANCSHARES INC.
Farmers&Merchants Bank (#15801) lends in 4 counties across 1 state; Farmers&Merchants Bank (#15801) reaches 28 ZIP codes: Mississippi 4 counties, 28 ZIPs.
Farmers&Merchants Bank (#15801) largest markets: Lee County, MS (30 branches, 15 ZIPs) (#15801), Itawamba County, MS (20 branches, 10 ZIPs) (#15801), Prentiss County, MS (32 branches, 8 ZIPs) (#15801), Alcorn County, MS (15 branches, 5 ZIPs) (#15801).
Farmers&Merchants Bank (#15801) reports $565.8 million in total assets; Farmers&Merchants Bank (#15801) equity $76.2 million (13.5% of Farmers&Merchants Bank (#15801) assets); Farmers&Merchants Bank (#15801) domestic deposits $481.2 million; Farmers&Merchants Bank (#15801) net income $4.9 million; Farmers&Merchants Bank (#15801) return on assets 1.78%; Farmers&Merchants Bank (#15801) return on equity 13.33%; Farmers&Merchants Bank (#15801) net interest income $12.3 million; Farmers&Merchants Bank (#15801) call report June 30, 2026.
Farmers&Merchants Bank (#15801) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#15801) net charge-offs on real estate 2.02%; Farmers&Merchants Bank (#15801) residential charge-offs 3.38%.
Farmers&Merchants Bank (#15801) net interest margin 4.84% against an eight-quarter Farmers&Merchants Bank (#15801) average of 4.68% (Farmers&Merchants Bank (#15801) compression -0.16 points); Farmers&Merchants Bank (#15801) real-estate loans 0.2% of equity; Farmers&Merchants Bank (#15801) non-residential real estate 337.9% of equity; Farmers&Merchants Bank (#15801) rate-exposure score 40/100, Farmers&Merchants Bank (#15801) fixed-rate trap 40/100; Farmers&Merchants Bank (#15801) risk type credit driven; Farmers&Merchants Bank (#15801) rate regime rates elevated, Farmers&Merchants Bank (#15801) snapshot October 20, 2026.
Farmers&Merchants Bank (#15801) stress score moved from 43.7 on June 22, 2026 to 42.8 on October 20, 2026; Farmers&Merchants Bank (#15801) ranged 42.8 to 43.7 over 117 snapshots.
Farmers&Merchants Bank (#15801) alerts: 4 counties; top Farmers&Merchants Bank (#15801) alert scores: Corinth County, MS 17 (low); Mantachie County, MS 17 (low); Marietta County, MS 17 (low); Tupelo County, MS 17 (low).