The Farmers & Merchants Bank
Chartered Bank Active FDIC Insured
Health Score
7.7 / 10
320 Main St, Waterloo, AL 35677
Financial Overview
Total Assets $98.8M
Total Deposits $87.2M
Profitability (ROA) 0.65%
Shareholder Return (ROE) 5.74%
Capital Cushion (Eq/Assets) 11.22%
Established 07/01/1914
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$43.6M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.
Operations & Contact
Contact
Website: www.fmbal.com
FDIC Certificate #: 1745
Specialization: Other Specialized Under 1 Billion