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.

From Q2 2025 to Q2 2026, the score rose 2 points (90 → 92), mostly because the earnings component improved by 15 points.

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

Yes. Farmers & Merchants Bank of Craig County is an FDIC-insured institution (FDIC certificate #9986). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 10.2% of deposits ($7.8M) are above the $250,000 FDIC insurance limit, below the peer median of 16%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 16.87%, 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%).

Check how much of your own balance is covered

Farmers & Merchants Bank of Craig County lists 1 office in 1 city. Most locations:

• New Castle, VA (1)

All branch addresses and map

In 2025, Farmers & Merchants Bank of Craig County reported 63 home-loan applications under HMDA (LEI 254900R8ZBXT7V5OH304): 57 originated ($9,965,000 total), 4 denied, and 2 withdrawn or closed by the applicant. Its denial rate on decided applications was 6.6%, 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.

Legal name

Farmers & Merchants Bank of Craig County

Type

State-chartered bank (Fed member)

FDIC certificate #

9986

RSSD ID

804422

Primary regulator

FED

Established

May 2, 1917

Headquarters

189 Main St, New Castle, VA 24127

Website

www.fmbankcraig.com

Employees

16