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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.
Plain-language readout
FARMERS&MERCHANTS BANK has 5 quarters of reported history on file, from Q2 2022 to Q3 2026.
Total assets peaked at $1.0B in Q3 2022 and were lowest at $986M in Q1 2026.
Total deposits were highest at $907M in Q2 2022 and lowest at $831M in Q1 2026.
Over the whole period total assets fell 1.2%.
| 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% |
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
Farmers & Merchants Bank changed deposits by $22.2M and market share by -0.001986 points in NC
Source ↗Farmers & Merchants Bank changed deposits by $31.9M and market share by 0.803684 points in Rowan County, NC
Source ↗Farmers & Merchants Bank changed deposits by −$3.5M and market share by -0.005951 points in Wake County, NC
Source ↗Farmers & Merchants Bank changed deposits by −$6.2M and market share by -0.145022 points in Cabarrus County, NC
Source ↗Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $988M | $833M | $553M | 2.68% | 17.95% | 5.15% |
| 2026-06-30 | $999M | $843M | $531M | 2.55% | 17.09% | 5.09% |
| 2026-03-31 | $986M | $831M | $516M | 2.48% | 16.66% | 5.00% |
| 2022-09-30 | $1.0B | $906M | $519M | 1.25% | 14.11% | 3.30% |
| 2022-06-30 | $1.0B | $907M | $506M | 1.01% | 11.50% | 2.93% |
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Salisbury | NC | 5 | 0 | Unavailable |
| China Grove | NC | 1 | 0 | Unavailable |
| Concord | NC | 1 | 0 | Unavailable |
| Faith | NC | 1 | 0 | Unavailable |
| Granite Quarry | NC | 1 | 1 | Unavailable |
| Kannapolis | NC | 1 | 0 | Unavailable |
| Raleigh | NC | 1 | 0 | Unavailable |
| Rockwell | NC | 1 | 0 | Unavailable |
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| NC | $790.4M | 0.11% | 32 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
F & M FINANCIAL CORPORATIONRSSD 1076619 · 1984-11-30 to current
Unresolved entityRSSD 1076628 · 2007-06-30 to 2007-12-31
Unresolved entityRSSD 1477328 · 2007-06-30 to current
Unresolved entityRSSD 3287361 · 2007-06-30 to 2007-12-31
Unresolved entityRSSD 3287361 · 2004-08-17 to 2007-06-29
Unresolved entityRSSD 1477328 · 1989-08-23 to 2007-06-29
Unresolved entityRSSD 1076628 · 1984-11-30 to 2007-06-29
None matched.
No reviewed revisions published.
Latest registered batch · retrieved Nov 13, 2026, 9:56 PM UTC · SHA-256 ed672d3d5db4d4a7219e7b578e217752940125a23284d56e2da0f5ecb1d0d536 · source ↗