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.

The score has been essentially flat from Q2 2025 to Q2 2026 (75 → 75).

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 Alabama

Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #1735). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 25.6% of deposits ($68.7M) 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 12.73%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 17.87% (benchmark: 10%).

Check how much of your own balance is covered

Farmers and Merchants Bank lists 5 offices in 5 cities. Most locations:

• Anniston, AL (1)
• Centre, AL (1)
• Jacksonville, AL (1)
• Oxford, AL (1)
• Piedmont, AL (1)

All branch addresses and map

In 2025, Farmers and Merchants Bank reported 28 home-loan applications under HMDA (LEI 2549002KNNRT791PG760): 28 originated ($5,830,000 total), 0 denied, and 0 withdrawn or closed by the applicant. Its denial rate on decided applications was 0.0%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Farmers and Merchants Bank

Type

State-chartered bank

FDIC certificate #

1735

RSSD ID

434539

Primary regulator

FDIC

Holding company

F&m Financial Corp

Established

April 12, 1915

Headquarters

112 E Ladiga St, Piedmont, AL 36272

Website

www.fandm.bank

Employees

54