Bankgraph
FDIC data through Q2 ʼ26
Institutions /

Farmers and Merchants Bank

Upperco, MD FDIC 1895 FDIC Farmers & Merchants Bancshares Asset group $300M – $1B 9 offices · 97 employees Filed Q2 2026
Assets
$874.5M
Deposits
$725.7M
ROA
0.97%
ROE
10.84%
NIM
3.46%
Efficiency
62.98%
Tier 1 capital
12.09%
Total capital
12.75%
Noncurrent loans
0.00%
Loans / deposits
87.81%

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