🏦Bank Scorer

FARMERS & MERCHANTS BANK

GRANITE QUARRY, NC · Supervised by FDIC

Est. 1909FDIC #2,036RSSD: FDIC-2036
Part ofF&M FINANCIAL CORP→ View all charters
Satisfactory Same

Current rating · Exam: October 2023

CompareWatch

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 2.48%

Institution Profile

FDIC BankFind

Address

138 N Salisbury Gq Ave, GRANITE QUARRY, NC

County

Rowan County

Established

January 1, 1909

Total Assets

$986M(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

October 1, 2023

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Oct 2027(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$986M

Total Deposits

$831M

Net Loans

$516M

Net Income

$6M

ROA

2.48%

ROE

16.66%

Risk-Based Capital

26.73%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

12

Branch Deposits

$790M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

10 previous ratings locked — dating back to 1993

Unlock full CRA history, HMDA, financials, complaints CSVs, and PDF links for this bank.

orGet Business plan for unlimited access

One-time payment · No subscription required

Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

Embed this rating

Copy this snippet to embed a live rating badge on your website:

<iframe
  src="https://bankscorer.com/widget/bank/10e07a64-1b79-443b-a9fa-4fad43d1dfc5"
  width="320"
  height="80"
  frameborder="0"
  scrolling="no"
  style="border:none"
></iframe>

Updates automatically when the rating changes.

Preview: