This institution is no longer active

Operations ceased on April 3, 1998. CRA examination history below reflects the period it was active.

FARMERS AND MERCHANTS BANK OF KEYSER

KEYSER, WV · Supervised by FDIC

Est. 1911FDIC #2,449RSSD: FDIC-2449

Part ofF&M NATIONAL CORP→ View all charters

Satisfactory

Current rating · Exam: May 1991

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.54%

Institution Profile

FDIC BankFind

Address

87 North Main Street, KEYSER, WV

County

Mineral County

Established

August 1, 1911

Total Assets

$99M(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 5, 1991

Exam Type

Not Reported

Regulator

FDIC

What is a CRA rating? →

⚠️This exam is 35 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 Q1 1998Call Report / FDIC

Total Assets

$99M

Total Deposits

$85M

Net Loans

$62M

Net Income

$379K

ROA

1.54%

ROE

11.96%

Risk-Based Capital

24.66%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

This is the only examination on record for this bank.

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