Farmers&Merchants Bank (FDIC #8668): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #8668): bank stress 72/100, elevated, STABLE over 7 days; parent F&M BANK CORP (FMBM).
Farmers&Merchants Bank (#8668) lends in 8 counties across 1 state; Farmers&Merchants Bank (#8668) reaches 84 ZIP codes: Virginia 8 counties, 84 ZIPs.
Farmers&Merchants Bank (#8668) largest markets: Augusta County, VA (56 branches, 28 ZIPs) (#8668), Fauquier County, VA (24 branches, 24 ZIPs) (#8668), Rockingham County, VA (88 branches, 22 ZIPs) (#8668), Shenandoah County, VA (30 branches, 15 ZIPs) (#8668), Harrisonburg County, VA (6 branches, 3 ZIPs) (#8668), Staunton County, VA (2 branches, 2 ZIPs) (#8668).
Farmers&Merchants Bank (#8668) reports $1.40 billion in total assets; Farmers&Merchants Bank (#8668) equity $116.0 million (8.3% of Farmers&Merchants Bank (#8668) assets); Farmers&Merchants Bank (#8668) domestic deposits $1.27 billion; Farmers&Merchants Bank (#8668) net income $8.6 million; Farmers&Merchants Bank (#8668) return on assets 1.24%; Farmers&Merchants Bank (#8668) return on equity 15.54%; Farmers&Merchants Bank (#8668) net interest income $24.1 million; Farmers&Merchants Bank (#8668) call report June 30, 2026.
Farmers&Merchants Bank (#8668) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#8668) net charge-offs on real estate 0.46%; Farmers&Merchants Bank (#8668) residential charge-offs 0.29%.
Farmers&Merchants Bank (#8668) net interest margin 3.73% against an eight-quarter Farmers&Merchants Bank (#8668) average of 3.28% (Farmers&Merchants Bank (#8668) compression -0.45 points); Farmers&Merchants Bank (#8668) non-residential real estate 29.0% of equity; Farmers&Merchants Bank (#8668) rate-exposure score 40/100, Farmers&Merchants Bank (#8668) fixed-rate trap 40/100; Farmers&Merchants Bank (#8668) risk type credit driven; Farmers&Merchants Bank (#8668) rate regime rates elevated; Farmers&Merchants Bank (#8668) shares 0.2% below the 52-week high, Farmers&Merchants Bank (#8668) equity trend stable, Farmers&Merchants Bank (#8668) snapshot October 19, 2026.
Farmers&Merchants Bank (#8668) stress score moved from 77.9 on June 22, 2026 to 71.6 on October 19, 2026; Farmers&Merchants Bank (#8668) ranged 71.6 to 77.9 over 116 snapshots.
Farmers&Merchants Bank (#8668) alerts: 8 counties; top Farmers&Merchants Bank (#8668) alert scores: Winchester County, VA 44 (moderate); Waynesboro County, VA 43 (moderate); Staunton County, VA 43 (moderate); Harrisonburg County, VA 39 (moderate); Stuarts Draft County, VA 24 (low).