Farmers&Merchants Bank (FDIC #2036): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #2036): bank stress 22/100, contained, STABLE over 7 days; parent F&M FINANCIAL CORP.
Farmers&Merchants Bank (#2036) lends in 3 counties across 1 state; Farmers&Merchants Bank (#2036) reaches 72 ZIP codes: North Carolina 3 counties, 72 ZIPs.
Farmers&Merchants Bank (#2036) largest markets: Wake County, NC (41 branches, 41 ZIPs) (#2036), Rowan County, NC (180 branches, 20 ZIPs) (#2036), Cabarrus County, NC (32 branches, 16 ZIPs) (#2036).
Farmers&Merchants Bank (#2036) reports $998.8 million in total assets; Farmers&Merchants Bank (#2036) equity $149.4 million (15.0% of Farmers&Merchants Bank (#2036) assets); Farmers&Merchants Bank (#2036) domestic deposits $842.6 million; Farmers&Merchants Bank (#2036) net income $12.5 million; Farmers&Merchants Bank (#2036) return on assets 2.55%; Farmers&Merchants Bank (#2036) return on equity 17.09%; Farmers&Merchants Bank (#2036) net interest income $23.8 million; Farmers&Merchants Bank (#2036) call report June 30, 2026.
Farmers&Merchants Bank (#2036) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#2036) net charge-offs on real estate 0.81%; Farmers&Merchants Bank (#2036) residential charge-offs 1.03%.
Farmers&Merchants Bank (#2036) net interest margin 5.09% against an eight-quarter Farmers&Merchants Bank (#2036) average of 5.18% (Farmers&Merchants Bank (#2036) compression 0.09 points); Farmers&Merchants Bank (#2036) non-residential real estate 103.3% of equity; Farmers&Merchants Bank (#2036) rate-exposure score 40/100, Farmers&Merchants Bank (#2036) fixed-rate trap 40/100; Farmers&Merchants Bank (#2036) risk type rate trapped; Farmers&Merchants Bank (#2036) rate regime rates elevated, Farmers&Merchants Bank (#2036) snapshot October 19, 2026.
Farmers&Merchants Bank (#2036) stress score moved from 22.8 on June 22, 2026 to 22.2 on October 19, 2026; Farmers&Merchants Bank (#2036) ranged 22.2 to 22.8 over 116 snapshots.
Farmers&Merchants Bank (#2036) alerts: 3 counties; top Farmers&Merchants Bank (#2036) alert scores: Kannapolis County, NC 13 (low); Raleigh County, NC 13 (low); Salisbury County, NC 13 (low).