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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Granite Quarry, NC · FDIC certificate #2036 · RSSD 348720
FARMERS&MERCHANTS BANK is an FDIC-insured institution based in Granite Quarry, NC (FDIC certificate #2036). In its Q3 2026 Call Report it reported total assets of $988M, total deposits of $833M and net loans of $553M. Its primary federal regulator is FDIC. Its current parent is F & M FINANCIAL CORPORATION.
Reported facts
FARMERS&MERCHANTS BANK (FDIC certificate #2036) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $988M |
|---|---|
| Total deposits | $833M |
| Net loans and leases | $553M |
| Return on assets | 2.68% |
| Return on equity | 17.95% |
| Net interest margin | 5.15% |
| Quarterly asset change | -1.08% |
| Quarterly deposit change | -1.15% |
Plain-language readout
FARMERS&MERCHANTS BANK in Granite Quarry, NC reported total assets of $988M, total deposits of $833M and net loans of $553M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 2.68%, a return on equity of 17.95%, a net interest margin of 5.15%. 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.
Total assets fell 1.2% over the past four quarters, from $1.0B in Q2 2022 to $988M in Q3 2026. Total deposits fell 8.2% over the past four quarters, from $907M in Q2 2022 to $833M in Q3 2026. Net loans rose 9.3% over the past four quarters, from $506M in Q2 2022 to $553M in Q3 2026.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $988M | $833M | $553M | 2.68% | 17.95% | 5.15% |
| Q2 2026 | $999M | $843M | $531M | 2.55% | 17.09% | 5.09% |
| Q1 2026 | $986M | $831M | $516M | 2.48% | 16.66% | 5.00% |
| Q3 2022 | $1.0B | $906M | $519M | 1.25% | 14.11% | 3.30% |
| Q2 2022 | $1.0B | $907M | $506M | 1.01% | 11.50% | 2.93% |
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