🏦Bank Scorer

This institution is no longer active

Operations ceased on January 1, 1996. CRA examination history below reflects the period it was active.

FARMERS AND MERCHANTS BANK

BRUCE, MS · Supervised by FDIC

Est. 1970FDIC #20,207RSSD: FDIC-20207
Satisfactory Same

Current rating · Exam: December 1994

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.80%

Institution Profile

FDIC BankFind

Address

Public Square, BRUCE, MS

County

Calhoun County

Established

June 26, 1970

Total Assets

$32M(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

December 1, 1994

Exam Type

Not Reported

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 31 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 Q4 1995Call Report / FDIC

Total Assets

$32M

Total Deposits

$27M

Net Loans

$7M

Net Income

$575K

ROA

1.80%

ROE

12.93%

Risk-Based Capital

42.95%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Rating History

CRA / FFIEC

Rating Trend

↑ Improving

Based on last 3 exams

2 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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