Farmers & Merchants Bank (FDIC certificate #8668) is based in Timberville, Virginia. Its Q2 2026 call report shows $1.4B in total assets and $1.3B in deposits and 16 offices.
Based on its Q2 2026 filing, Farmers & Merchants Bank scores 70/100, which we describe as strong. That is higher than 58% of 897 banks with $1 billion – $10 billion. Among 56 banks headquartered in Virginia, it ranks 34th. Its strongest component is problem-loan coverage (94/100; 3.2%), and its lowest is capital cushion (41/100; 9.10%).
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 rose 9 points (61 → 70), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 59 |
| Q3 2024 | 59 |
| Q4 2024 | 58 |
| Q1 2025 | 59 |
| Q2 2025 | 61 |
| Q3 2025 | 62 |
| Q4 2025 | 64 |
| Q1 2026 | 66 |
| Q2 2026 | 70 |
Show as table
| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 8.29% |
| Q3 2024 | 8.20% |
| Q4 2024 | 8.23% |
| Q1 2025 | 8.50% |
| Q2 2025 | 8.68% |
| Q3 2025 | 8.69% |
| Q4 2025 | 8.73% |
| Q1 2026 | 8.84% |
| Q2 2026 | 9.10% |
Show as table
| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.91% |
| Q3 2024 | 0.79% |
| Q4 2024 | 0.84% |
| Q1 2025 | 1.08% |
| Q2 2025 | 0.90% |
| Q3 2025 | 0.85% |
| Q4 2025 | 0.68% |
| Q1 2026 | 0.54% |
| Q2 2026 | 0.43% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 0.65% |
| Q3 2024 | 0.51% |
| Q4 2024 | 0.56% |
| Q1 2025 | 0.74% |
| Q2 2025 | 0.80% |
| Q3 2025 | 0.82% |
| Q4 2025 | 0.85% |
| Q1 2026 | 0.94% |
| Q2 2026 | 1.24% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 70 | $1.4B | 9.10% | 0.43% | 1.24% | 72.6% |
| Q1 2026 | 66 | $1.4B | 8.84% | 0.54% | 0.94% | 69.5% |
| Q4 2025 | 64 | $1.4B | 8.73% | 0.68% | 0.85% | 70.5% |
| Q3 2025 | 62 | $1.4B | 8.69% | 0.85% | 0.82% | 69.8% |
| Q2 2025 | 61 | $1.3B | 8.68% | 0.90% | 0.80% | 70.1% |
| Q1 2025 | 59 | $1.3B | 8.50% | 1.08% | 0.74% | 68.0% |
| Q4 2024 | 58 | $1.3B | 8.23% | 0.84% | 0.56% | 69.6% |
| Q3 2024 | 59 | $1.3B | 8.20% | 0.79% | 0.51% | 67.5% |
| Q2 2024 | 59 | $1.3B | 8.29% | 0.91% | 0.65% | 69.0% |
897 peers · $1 billion – $10 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 Virginia
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Benchmark Community BankBank Kenbridge, VA | 75 out of 100, Strong | $1.4B | 9.8% | 0.17% | vs |
| Skyline National BankBank Independence, VA | 66 out of 100, Moderate | $1.3B | 8.8% | 0.34% | vs |
| Virginia National BankBank Charlottesville, VA | 83 out of 100, Strong | $1.6B | 13.2% | 0.47% | vs |
| Trustar BankBank Great Falls, VA | 58 out of 100, Moderate | $1.1B | 9.4% | 0.39% | vs |
| First National BankBank Altavista, VA | 73 out of 100, Strong | $1.1B | 8.8% | 0.19% | vs |
| Chesapeake BankBank Kilmarnock, VA | 81 out of 100, Strong | $1.7B | 11.2% | 0.24% | vs |
Deposit insurance
Is my money safe at Farmers & Merchants Bank?
Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #8668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 14.1% of deposits ($179.0M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.10%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 14.43% (benchmark: 10%).
16 locations
Branches
Farmers & Merchants Bank lists 16 offices in 12 cities. Most locations:
- Winchester, VA (3)
- Harrisonburg, VA (2)
- Staunton, VA (2)
- Bridgewater, VA (1)
- Broadway, VA (1)
- Edinburg, VA (1)
- Elkton, VA (1)
- Stuarts Draft, VA (1)
- Timberville, VA (1)
- Warrenton, VA (1)
- Waynesboro, VA (1)
- Woodstock, VA (1)
HMDA 2025
Mortgage lending
In 2025, Farmers & Merchants Bank reported 462 home-loan applications under HMDA (LEI 549300V2YLC1I721HE07): 334 originated ($104,990,000 total), 14 denied, and 76 withdrawn or closed by the applicant. Its denial rate on decided applications was 3.6%, 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.
Identity & history
Profile
- Legal name
- Farmers & Merchants Bank
- Former names
- Farmers and Merchants Bank of Timberville, Inc.; Farmers and Merchants Bank of Rockingham
- Type
- State-chartered bank (Fed member)
- FDIC certificate #
- 8668
- RSSD ID
- 713926
- Primary regulator
- FED
- Holding company
- F&m Bank Corp
- Established
- January 1, 1908
- Headquarters
- 165 New Market Rd, Timberville, VA 22853
- Website
- www.fmbankva.com
- Employees
- 184
Quick answers
Farmers & Merchants Bank: common questions
Is Farmers & Merchants Bank FDIC insured?
Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #8668). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers & Merchants Bank's TellerScore?
70 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 & Merchants Bank ever failed?
There is no failure record for FDIC certificate #8668 in the FDIC failed bank list.
How many branches does Farmers & Merchants Bank have?
16 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Timberville
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Merck Employees Federal Credit UnionCredit union Rahway, NJ | 86 out of 100, Very strong | $1.7B | 15.4% | 0.30% | vs |
| Pioneer BankBank Stanley, VA | 84 out of 100, Strong | $371.8M | 12.0% | 0.03% | vs |
| City National Bank of West VirginiaBank Charleston, WV | 78 out of 100, Strong | $6.8B | 9.6% | 0.22% | vs |
| Dupont Community Credit UnionCredit union Waynesboro, VA | 76 out of 100, Strong | $2.1B | 10.9% | 0.33% | vs |
| United BankBank Fairfax, VA | 74 out of 100, Strong | $33.6B | 11.6% | 0.44% | vs |
| Atlantic Union BankBank Richmond City, VA | 73 out of 100, Strong | $38.0B | 11.4% | 0.50% | vs |