🏦Bank Scorer

FARMERS AND MERCHANTS BANK

PIEDMONT, AL · Supervised by FDIC

Est. 1915FDIC #1,735RSSD: FDIC-1735
Part ofF&M FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: November 2021

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.84%

Institution Profile

FDIC BankFind

Address

112 E Ladiga St, PIEDMONT, AL

County

Calhoun County

Established

April 12, 1915

Total Assets

$312M(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

November 1, 2021

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Nov 2026(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$312M

Total Deposits

$278M

Net Loans

$144M

Net Income

$655K

ROA

0.84%

ROE

8.18%

Risk-Based Capital

18.53%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

5

Branch Deposits

$284M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

7 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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