Headquartered in Baldwyn, Mississippi, Farmers and Merchants Bank is a state-chartered bank (fed member) with $565.8M in total assets and $481.2M in deposits as of Q2 2026. It operates 12 offices. Its charter dates back to 1941.
Farmers and Merchants Bank has a TellerScore of 77 out of 100 (strong) based on Q2 2026 data — higher than 68% of its 2,650 banks with $100 million – $1 billion. Among 57 banks headquartered in Mississippi, it ranks 13th. Capital cushion contributes the most (92/100, 14.19%); loan quality contributes the least (44/100, 1.69%).
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 4 points (81 → 77), mostly because the loan quality component weakened by 14 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 71 |
| Q3 2024 | 72 |
| Q4 2024 | 68 |
| Q1 2025 | 78 |
| Q2 2025 | 81 |
| Q3 2025 | 86 |
| Q4 2025 | 77 |
| Q1 2026 | 78 |
| Q2 2026 | 77 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 12.96% |
| Q3 2024 | 13.31% |
| Q4 2024 | 13.07% |
| Q1 2025 | 13.06% |
| Q2 2025 | 13.57% |
| Q3 2025 | 14.69% |
| Q4 2025 | 14.38% |
| Q1 2026 | 14.07% |
| Q2 2026 | 14.19% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 1.82% |
| Q3 2024 | 1.85% |
| Q4 2024 | 1.98% |
| Q1 2025 | 1.31% |
| Q2 2025 | 1.26% |
| Q3 2025 | 0.98% |
| Q4 2025 | 1.58% |
| Q1 2026 | 1.52% |
| Q2 2026 | 1.69% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.65% |
| Q3 2024 | 1.67% |
| Q4 2024 | 1.37% |
| Q1 2025 | 2.22% |
| Q2 2025 | 2.19% |
| Q3 2025 | 2.14% |
| Q4 2025 | 1.62% |
| Q1 2026 | 1.77% |
| Q2 2026 | 1.78% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 77 | $565.8M | 14.19% | 1.69% | 1.78% | 71.8% |
| Q1 2026 | 78 | $567.1M | 14.07% | 1.52% | 1.77% | 68.7% |
| Q4 2025 | 77 | $522.9M | 14.38% | 1.58% | 1.62% | 76.6% |
| Q3 2025 | 86 | $528.1M | 14.69% | 0.98% | 2.14% | 75.3% |
| Q2 2025 | 81 | $528.1M | 13.57% | 1.26% | 2.19% | 70.8% |
| Q1 2025 | 78 | $559.5M | 13.06% | 1.31% | 2.22% | 71.1% |
| Q4 2024 | 68 | $528.9M | 13.07% | 1.98% | 1.37% | 73.9% |
| Q3 2024 | 72 | $531.1M | 13.31% | 1.85% | 1.67% | 72.9% |
| Q2 2024 | 71 | $537.6M | 12.96% | 1.82% | 1.65% | 68.9% |
2,650 peers · $100 million – $1 billion
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 Mississippi
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Century BankBank Lucedale, MS | 69 out of 100, Moderate | $566.2M | 10.1% | 0.60% | vs |
| First BankBank Mccomb, MS | 74 out of 100, Strong | $562.9M | 13.0% | 1.11% | vs |
| First Choice BankBank Pontotoc, MS | 61 out of 100, Moderate | $561.0M | 9.5% | 0.31% | vs |
| United Mississippi BankBank Natchez, MS | 75 out of 100, Strong | $560.7M | 11.0% | 0.19% | vs |
| The Peoples BankBank Ripley, MS | 72 out of 100, Strong | $581.8M | 10.2% | 0.34% | vs |
| Bank of Holly SpringsBank Holly Springs, MS | 52 out of 100, Below average | $587.5M | 13.1% | 4.61% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #15801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 24.6% of deposits ($118.5M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 14.19%, 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%).
12 locations
Branches
Farmers and Merchants Bank lists 11 offices in 8 cities. Most locations:
- Corinth, MS (3)
- Booneville, MS (2)
- Baldwyn, MS (1)
- Fulton, MS (1)
- Mantachie, MS (1)
- Marietta, MS (1)
- Mooreville, MS (1)
- Tupelo, MS (1)
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 15801
- RSSD ID
- 205243
- Primary regulator
- FED
- Holding company
- Fmb Bancshares Inc
- Established
- March 10, 1941
- Headquarters
- 111 W Clayton St, Baldwyn, MS 38824
- Website
- www.fmbms.com
- Employees
- 126
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 #15801). 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?
77 out of 100 (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 #15801 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank have?
12 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Baldwyn
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| N. Mississippi Health Services Emp. Federal Credit UnionCredit union Tupelo, MS | 97 out of 100, Very strong | $14.0M | 20.9% | 0.00% | vs |
| F a a Federal Credit UnionCredit union Cordova, TN | 91 out of 100, Very strong | $131.1M | 18.6% | 0.87% | vs |
| Brightview Federal Credit UnionCredit union Ridgeland, MS | 78 out of 100, Strong | $37.6M | 16.3% | 0.75% | vs |
| BNA BankBank New Albany, MS | 77 out of 100, Strong | $855.7M | 12.5% | 0.72% | vs |
| Community Spirit BankBank Red Bay, AL | 77 out of 100, Strong | $228.8M | 9.7% | 0.00% | vs |
| FNB Oxford BankBank Oxford, MS | 75 out of 100, Strong | $939.7M | 11.9% | 0.13% | vs |