🏦Bank Scorer

This institution is no longer active

Operations ceased on November 4, 1995. CRA examination history below reflects the period it was active.

FARMERS AND MERCHANTS BANK

ARITON, AL · Supervised by FDIC

Est. 1949FDIC #16,791RSSD: FDIC-16791
Satisfactory Same

Current rating · Exam: May 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.74%

Institution Profile

FDIC BankFind

Address

Main Street, ARITON, AL

County

Dale County

Established

May 2, 1949

Total Assets

$53M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

May 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 32 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q3 1995Call Report / FDIC

Total Assets

$53M

Total Deposits

$45M

Net Loans

$25M

Net Income

$672K

ROA

1.74%

ROE

11.96%

Risk-Based Capital

30.37%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

2 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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