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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Waterloo, AL · FDIC certificate #1745
FARMERS&MERCHANTS BANK is an FDIC-insured institution based in Waterloo, AL (FDIC certificate #1745). In its Q3 2026 Call Report it reported total assets of $96M, total deposits of $87M and net loans of $6M. Its primary federal regulator is FDIC.
Reported facts
FARMERS&MERCHANTS BANK (FDIC certificate #1745) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $96M |
|---|---|
| Total deposits | $87M |
| Net loans and leases | $6M |
| Return on assets | 0.63% |
| Return on equity | 5.85% |
| Net interest margin | 1.68% |
| Quarterly asset change | -2.22% |
| Quarterly deposit change | 0.47% |
Plain-language readout
FARMERS&MERCHANTS BANK in Waterloo, AL reported total assets of $96M, total deposits of $87M and net loans of $6M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 0.63%, a return on equity of 5.85%, a net interest margin of 1.68%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $96M | $87M | $6M | 0.63% | 5.85% | 1.68% |
| Q2 2026 | $98M | $86M | $5M | 0.59% | 5.14% | 1.64% |
| Q1 2026 | $99M | $87M | $5M | 0.65% | 5.74% | 1.60% |
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