Farmers and Merchants Bank (FDIC certificate #13415) is based in Arnett, Oklahoma. Its Q2 2026 call report shows $80.3M in total assets and $69.9M in deposits and 1 office.
Based on its Q2 2026 filing, Farmers and Merchants Bank scores 85/100, which we describe as very strong. That is higher than 78% of 546 banks with under $100 million in assets. Among 170 banks headquartered in Oklahoma, it ranks 20th. Its strongest component is problem-loan coverage (98/100; 1.0%), and its lowest is capital cushion (80/100; 13.00%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score fell 3 points (88 → 85), mostly because the loan quality component weakened by 13 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 89 |
| Q3 2024 | 91 |
| Q4 2024 | 89 |
| Q1 2025 | 88 |
| Q2 2025 | 88 |
| Q3 2025 | 89 |
| Q4 2025 | 86 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 13.01% |
| Q3 2024 | 13.14% |
| Q4 2024 | 12.93% |
| Q1 2025 | 12.79% |
| Q2 2025 | 12.97% |
| Q3 2025 | 13.06% |
| Q4 2025 | 13.06% |
| Q1 2026 | 12.93% |
| Q2 2026 | 13.00% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.11% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.08% |
| Q1 2025 | 0.08% |
| Q2 2025 | 0.04% |
| Q3 2025 | 0.02% |
| Q4 2025 | 0.35% |
| Q1 2026 | 0.30% |
| Q2 2026 | 0.42% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.76% |
| Q3 2024 | 1.86% |
| Q4 2024 | 1.68% |
| Q1 2025 | 1.65% |
| Q2 2025 | 1.61% |
| Q3 2025 | 1.65% |
| Q4 2025 | 1.59% |
| Q1 2026 | 1.55% |
| Q2 2026 | 1.56% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $80.3M | 13.00% | 0.42% | 1.56% | 34.4% |
| Q1 2026 | 85 | $83.8M | 12.93% | 0.30% | 1.55% | 33.6% |
| Q4 2025 | 86 | $79.8M | 13.06% | 0.35% | 1.59% | 36.8% |
| Q3 2025 | 89 | $78.1M | 13.06% | 0.02% | 1.65% | 36.5% |
| Q2 2025 | 88 | $76.3M | 12.97% | 0.04% | 1.61% | 37.2% |
| Q1 2025 | 88 | $77.9M | 12.79% | 0.08% | 1.65% | 34.5% |
| Q4 2024 | 89 | $72.7M | 12.93% | 0.08% | 1.68% | 37.0% |
| Q3 2024 | 91 | $71.8M | 13.14% | 0.00% | 1.86% | 37.5% |
| Q2 2024 | 89 | $71.7M | 13.01% | 0.11% | 1.76% | 37.7% |
546 peers · Under $100 million in assets
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Oklahoma
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First State BankBank Tahlequah, OK | 49 out of 100, Below average | $82.1M | 10.4% | 2.25% | vs |
| AllNations BankBank Calumet, OK | 37 out of 100, Low | $84.5M | 8.3% | 7.87% | vs |
| Southwest Bank of WeatherfordBank Weatherford, OK | 68 out of 100, Moderate | $86.0M | 13.5% | 2.47% | vs |
| Bank of EufaulaBank Eufaula, OK | 68 out of 100, Moderate | $87.1M | 12.1% | 0.46% | vs |
| Community State Bank of CantonBank Canton, OK | 83 out of 100, Strong | $73.0M | 12.9% | 0.34% | vs |
| The First National Bank in MarlowBank Marlow, OK | 73 out of 100, Strong | $71.8M | 8.2% | 0.00% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #13415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.8% of deposits ($19.4M) are above the $250,000 FDIC insurance limit, above the peer median of 16%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 13.00%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
1 location
Branches
Farmers and Merchants Bank lists 1 office in 1 city. Most locations:
- Arnett, OK (1)
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank
- Type
- State-chartered bank
- FDIC certificate #
- 13415
- RSSD ID
- 257653
- Primary regulator
- FDIC
- Established
- December 28, 1908
- Headquarters
- 225 E Renfrow Ave, Arnett, OK 73832
- Website
- fmbankarnett.com
- Employees
- 8
Quick answers
Farmers and Merchants Bank: common questions
Is Farmers and Merchants Bank FDIC insured?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #13415). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Merchants Bank's TellerScore?
85 out of 100 (Very strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Merchants Bank ever failed?
There is no failure record for FDIC certificate #13415 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank have?
1 office as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Arnett
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Bank 7Bank Oklahoma City, OK | 86 out of 100, Very strong | $1.9B | 13.9% | 0.39% | vs |
| Cowboy BankBank Kremlin, OK | 84 out of 100, Strong | $350.3M | 12.7% | 0.49% | vs |
| The Seiling State BankBank Seiling, OK | 79 out of 100, Strong | $195.0M | 10.5% | 0.00% | vs |
| Bank of Western OklahomaBank Elk City, OK | 73 out of 100, Strong | $469.7M | 8.1% | 0.11% | vs |
| Oklahoma State BankBank Buffalo, OK | 69 out of 100, Moderate | $66.7M | 10.4% | 1.47% | vs |
| Stride Bank, National AssociationBank Enid, OK | 69 out of 100, Moderate | $5.4B | 8.4% | 0.48% | vs |