Farmers and Merchants Bank (FDIC certificate #3170) is based in De Leon, Texas. Its Q2 2026 call report shows $269.8M in total assets and $232.9M in deposits and 7 offices.
Farmers and Merchants Bank has a TellerScore of 85 out of 100 (very strong) based on Q2 2026 data — higher than 88% of its 2,650 banks with $100 million – $1 billion. Among 349 banks headquartered in Texas, it ranks 50th. Loan quality contributes the most (100/100, 0.00%); capital cushion contributes the least (70/100, 11.97%).
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 capital cushion component weakened by 9 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 76 |
| Q3 2024 | 92 |
| Q4 2024 | 88 |
| Q1 2025 | 92 |
| Q2 2025 | 88 |
| Q3 2025 | 88 |
| Q4 2025 | 87 |
| Q1 2026 | 85 |
| Q2 2026 | 85 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.19% |
| Q3 2024 | 15.34% |
| Q4 2024 | 14.94% |
| Q1 2025 | 15.02% |
| Q2 2025 | 12.91% |
| Q3 2025 | 12.18% |
| Q4 2025 | 12.53% |
| Q1 2026 | 12.27% |
| Q2 2026 | 11.97% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.07% |
| Q3 2024 | 0.00% |
| Q4 2024 | 0.40% |
| Q1 2025 | 0.00% |
| Q2 2025 | 0.00% |
| Q3 2025 | 0.00% |
| Q4 2025 | 0.00% |
| Q1 2026 | 0.00% |
| Q2 2026 | 0.00% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.15% |
| Q3 2024 | 1.16% |
| Q4 2024 | 1.20% |
| Q1 2025 | 1.27% |
| Q2 2025 | 1.45% |
| Q3 2025 | 1.75% |
| Q4 2025 | 1.68% |
| Q1 2026 | 1.45% |
| Q2 2026 | 1.49% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 85 | $269.8M | 11.97% | 0.00% | 1.49% | 62.7% |
| Q1 2026 | 85 | $255.9M | 12.27% | 0.00% | 1.45% | 63.4% |
| Q4 2025 | 87 | $245.0M | 12.53% | 0.00% | 1.68% | 65.7% |
| Q3 2025 | 88 | $246.9M | 12.18% | 0.00% | 1.75% | 63.1% |
| Q2 2025 | 88 | $243.9M | 12.91% | 0.00% | 1.45% | 59.3% |
| Q1 2025 | 92 | $183.5M | 15.02% | 0.00% | 1.27% | 62.4% |
| Q4 2024 | 88 | $175.1M | 14.94% | 0.40% | 1.20% | 66.6% |
| Q3 2024 | 92 | $171.8M | 15.34% | 0.00% | 1.16% | 66.6% |
| Q2 2024 | 76 | $157.3M | 10.19% | 0.07% | 1.15% | 69.2% |
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 Texas
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Castroville State BankBank Castroville, TX | 76 out of 100, Strong | $269.7M | 10.9% | 0.00% | vs |
| Citizens State BankBank Miles, TX | 75 out of 100, Strong | $270.1M | 10.7% | 0.44% | vs |
| Anahuac National BankBank Anahuac, TX | 68 out of 100, Moderate | $266.4M | 10.1% | 0.37% | vs |
| Bank of DeSoto, National AssociationBank De Soto, TX | 70 out of 100, Strong | $264.6M | 10.1% | 0.98% | vs |
| Texas Financial BankBank Eden, TX | 61 out of 100, Moderate | $264.6M | 11.7% | 1.00% | vs |
| The First National Bank of BallingerBank Ballinger, TX | 81 out of 100, Strong | $275.3M | 10.5% | 0.03% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants Bank?
Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #3170). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 27.8% of deposits ($64.7M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 11.97%, 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%).
7 locations
Branches
Farmers and Merchants Bank lists 6 offices in 6 cities. Most locations:
- Comanche, TX (1)
- De Leon, TX (1)
- Early, TX (1)
- Eastland, TX (1)
- Newcastle, TX (1)
- Stephenville, TX (1)
Identity & history
Profile
- Legal name
- Farmers and Merchants Bank
- Former names
- Farmers & Merchants Bank; The Farmers and Merchants Bank of De Leon; Freedom Bank
- Type
- State-chartered bank
- FDIC certificate #
- 3170
- RSSD ID
- 555256
- Primary regulator
- FDIC
- Holding company
- F&m Bancshares Inc
- Established
- January 1, 1905
- Headquarters
- 240 S Texas St, De Leon, TX 76444
- Website
- www.fmbank-tx.com
- Employees
- 51
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 #3170). 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 #3170 in the FDIC failed bank list.
How many branches does Farmers and Merchants Bank have?
7 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near De Leon
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| First National Bank of DublinBank Dublin, TX | 88 out of 100, Very strong | $134.2M | 12.4% | 0.10% | vs |
| TexasBankBank Fort Worth, TX | 80 out of 100, Strong | $2.5B | 12.9% | 0.41% | vs |
| First Financial BankBank Abilene, TX | 76 out of 100, Strong | $15.2B | 11.6% | 0.77% | vs |
| City BankBank Lubbock, TX | 75 out of 100, Strong | $5.4B | 10.8% | 0.25% | vs |
| Prosperity BankBank El Campo, TX | 71 out of 100, Strong | $43.9B | 10.6% | 0.48% | vs |
| Citizens National Bank of TexasBank Waxahachie, TX | 70 out of 100, Strong | $2.2B | 12.2% | 1.42% | vs |