The Farmers & Merchants Bank
Headquartered in Waterloo, AL. FDIC certificate #1745 · Federal Reserve RSSD 291732.
Total assets
$98M
Deposits
$86M
Q2 2026
Active branches
2
Closings since Jan 2020
0
0 openings since Jan 2020
Financial snapshot — Q2 2026
All quarters →Net income (quarter)
$128K
Return on assets
0.59%
Return on equity
5.14%
Noncurrent loan rate
1.33%
Deposits by year (Summary of Deposits)
02019
02020
02021
02022
02023
02024
02025
02026
Values in $ billions, June 30 of each year.
Branches by state
All figures transcribed from FDIC BankFind Suite records: structure-change history, quarterly financial reports and the annual Summary of Deposits · bank site: www.fmbal.com.