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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
Deterministic ratios for FARMERS&MERCHANTS BANK from its Q3 2026 Call Report. Detailed loan and deposit composition follows below.
| Total deposits | $87M |
|---|---|
| Net loans and leases | $6M |
Plain-language readout
FARMERS&MERCHANTS BANK in Waterloo, AL funds its loans with $87M of deposits and holds $6M of net loans, as reported for Q3 2026. The ratios below show how that funding, capital and credit quality compare with the amounts on the balance sheet.
No capital, liquidity or asset-quality ratios are reported for FARMERS&MERCHANTS BANK in Q3 2026; none is estimated.
The loan-to-deposit ratio computed from net loans and total deposits was 6.57% in Q3 2026, against 5.45% in Q1 2026. A rising ratio means the bank is lending a larger share of its deposits.
| Quarter | Net loans | Deposits | Loan-to-deposit |
|---|---|---|---|
| Q3 2026 | $6M | $87M | 6.57% |
| Q2 2026 | $5M | $86M | 5.94% |
| Q1 2026 | $5M | $87M | 5.45% |