Farmers&Merchants Bank (FDIC #3170): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #3170): bank stress 51/100, moderate, STABLE over 7 days; parent F&M BANCSHARES INC.
Farmers&Merchants Bank (#3170) lends in 5 counties across 1 state; Farmers&Merchants Bank (#3170) reaches 40 ZIP codes: Texas 5 counties, 40 ZIPs.
Farmers&Merchants Bank (#3170) largest markets: Comanche County, TX (42 branches, 14 ZIPs) (#3170), Erath County, TX (13 branches, 13 ZIPs) (#3170), Brown County, TX (10 branches, 10 ZIPs) (#3170), Eastland County, TX (9 branches, 9 ZIPs) (#3170), Young County, TX (6 branches, 6 ZIPs) (#3170).
Farmers&Merchants Bank (#3170) reports $269.8 million in total assets; Farmers&Merchants Bank (#3170) equity $34.0 million (12.6% of Farmers&Merchants Bank (#3170) assets); Farmers&Merchants Bank (#3170) domestic deposits $232.9 million; Farmers&Merchants Bank (#3170) net income $1.9 million; Farmers&Merchants Bank (#3170) return on assets 1.49%; Farmers&Merchants Bank (#3170) return on equity 11.50%; Farmers&Merchants Bank (#3170) net interest income $5.3 million; Farmers&Merchants Bank (#3170) call report June 30, 2026.
Farmers&Merchants Bank (#3170) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#3170) net charge-offs on real estate 0.00%.
Farmers&Merchants Bank (#3170) net interest margin 4.55% against an eight-quarter Farmers&Merchants Bank (#3170) average of 4.61% (Farmers&Merchants Bank (#3170) compression 0.07 points); Farmers&Merchants Bank (#3170) rate-exposure score 40/100, Farmers&Merchants Bank (#3170) fixed-rate trap 40/100; Farmers&Merchants Bank (#3170) risk type credit driven; Farmers&Merchants Bank (#3170) rate regime rates elevated, Farmers&Merchants Bank (#3170) snapshot October 20, 2026.
Farmers&Merchants Bank (#3170) stress score moved from 49.3 on June 22, 2026 to 51.5 on October 20, 2026; Farmers&Merchants Bank (#3170) ranged 49.3 to 51.5 over 117 snapshots.
Farmers&Merchants Bank (#3170) alerts: 5 counties; top Farmers&Merchants Bank (#3170) alert scores: De Leon County, TX 17 (low); Early County, TX 17 (low); Eastland County, TX 17 (low); Newcastle County, TX 17 (low); Stephenville County, TX 17 (low).