Farmers And Merchants Bank
FDIC #1895
📍 Upperco, Maryland
Farmers And Merchants Bank is a commercial bank, state charter and fed nonmember, supervised by the fdic. established in 01/01/1919. With assets of $757.03 Million, it operates 9 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: December 1, 2022
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
December 1, 2022
Satisfactory
December 1, 2019
Satisfactory
November 1, 2016
Satisfactory
💰 Financial Strength
Total Assets$757.03 Million
Total Deposits$645.87 Million
Equity Capital$61.39 Million
Net Income$5.30 Million
📈 Performance
ROA0.97%
ROE11.30%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established01/01/1919
FDIC Cert1895
Holding CoFarmers&merchants Bancshares
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
📜 Institutional History
2020
Merger / Acquisition
Acquired: Carroll Community Bank
1995
Relocation
Moved HQ to: 15226 Hanover Road, Upperco, MD 21155.
1975
Relocation
Moved HQ to: Route 30 And Emory Road, Fowblesburg, MD 21155.
📍 Branch Locations (9)
Towson Commercial Banking Office Branch
22 West Pennsylvania Avenue
Towson, Maryland 21204
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22 West Pennsylvania Avenue
Towson, Maryland 21204
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