TellerScore

Farmers and Merchants Bank of South Carolina (FDIC certificate #1660) is based in Holly Hill, South Carolina. Its Q2 2026 call report shows $413.6M in total assets and $350.8M in deposits and 8 offices.

Farmers and Merchants Bank of South Carolina has a TellerScore of 88 out of 100 (very strong) based on Q2 2026 data — higher than 92% of its 2,650 banks with $100 million – $1 billion. Among 44 banks headquartered in South Carolina, it ranks 4th. Capital cushion contributes the most (100/100, 16.56%); loan quality contributes the least (75/100, 0.74%).

TellerScore · Q2 2026

Scorecard

Capital cushion100/100
Tier 1 leverage ratio: 16.56%
Loan quality75/100
Noncurrent loans ÷ total loans: 0.74%
Earnings92/100
Return on assets (annualized): 1.80%
Funding & liquidity76/100
Loans ÷ deposits and uninsured-deposit share: 34.7% · 37.1% uninsured
Problem-loan coverage97/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 1.46%

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

The score has been essentially flat from Q2 2025 to Q2 2026 (88 → 88).

TellerScore
818588Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
Show as table
QuarterTellerScore
Q2 202487
Q3 202486
Q4 202481
Q1 202581
Q2 202588
Q3 202588
Q4 202584
Q1 202681
Q2 202688
Tier 1 leverage ratio
5.00%10.85%16.69%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202416.16%
Q3 202415.84%
Q4 202414.72%
Q1 202513.11%
Q2 202515.59%
Q3 202516.69%
Q4 202515.59%
Q1 202612.31%
Q2 202616.56%
Noncurrent loans
0.61%0.76%0.91%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.81%
Q3 20240.91%
Q4 20240.85%
Q1 20250.84%
Q2 20250.63%
Q3 20250.61%
Q4 20250.71%
Q1 20260.69%
Q2 20260.74%
Return on assets
1.48%1.75%2.02%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.70%
Q3 20241.65%
Q4 20241.50%
Q1 20251.74%
Q2 20251.65%
Q3 20251.55%
Q4 20251.48%
Q1 20262.02%
Q2 20261.80%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202688$413.6M16.56%0.74%1.80%34.7%
Q1 202681$476.2M12.31%0.69%2.02%29.8%
Q4 202584$495.4M15.59%0.71%1.48%28.3%
Q3 202588$390.2M16.69%0.61%1.55%38.1%
Q2 202588$410.5M15.59%0.63%1.65%34.6%
Q1 202581$416.5M13.11%0.84%1.74%33.3%
Q4 202481$540.6M14.72%0.85%1.50%24.3%
Q3 202486$389.2M15.84%0.91%1.65%34.0%
Q2 202487$392.1M16.16%0.81%1.70%30.6%

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).

Capital ratio16.56%
92nd
Total risk-based capital43.43%
99th
Problem loans0.74%
35th
Net charge-offs0.11%
18th
Return on assets1.80%
80th
Net interest margin4.14%
62nd
Efficiency ratio48.6%
86th
Loans to deposits34.7%
97th
Uninsured deposits37.1%
14th
Loan-loss reserves1.00%
27th
Texas ratio1.5%
64th

Similar-size banks in South Carolina

InstitutionScoreAssetsCapitalProblem loansCompare
Southern BankBank Spartanburg, SC59 out of 100, Moderate$407.9M8.2%0.28%vs
Bank of the LowcountryBank Walterboro, SC65 out of 100, Moderate$430.2M9.3%0.15%vs
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
The Peoples BankBank Iva, SC89 out of 100, Very strong$446.7M12.9%0.00%vs
Bank of YorkBank York, SC83 out of 100, Strong$317.7M12.9%0.86%vs
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs

Deposit insurance

Is my money safe at Farmers and Merchants Bank of South Carolina?

Yes. Farmers and Merchants Bank of South Carolina is an FDIC-insured institution (FDIC certificate #1660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 37.1% of deposits ($130.2M) 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 16.56%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 43.43% (benchmark: 10%).

Check how much of your own balance is covered

8 locations

Branches

Farmers and Merchants Bank of South Carolina lists 8 offices in 7 cities. Most locations:

  • Moncks Corner, SC (2)
  • Bowman, SC (1)
  • Branchville, SC (1)
  • Cameron, SC (1)
  • Eutawville, SC (1)
  • Holly Hill, SC (1)
  • St. Stephen, SC (1)

All branch addresses and map

Identity & history

Profile

Legal name
Farmers and Merchants Bank of South Carolina
Type
State-chartered bank
FDIC certificate #
1660
RSSD ID
282226
Primary regulator
FDIC
Holding company
Fmb of S C Bancshares Inc
Established
January 3, 1912
Headquarters
8624 Old State Rd, Holly Hill, SC 29059
Employees
69

Quick answers

Farmers and Merchants Bank of South Carolina: common questions

Is Farmers and Merchants Bank of South Carolina FDIC insured?

Yes. Farmers and Merchants Bank of South Carolina is an FDIC-insured institution (FDIC certificate #1660). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers and Merchants Bank of South Carolina's TellerScore?

88 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 of South Carolina ever failed?

There is no failure record for FDIC certificate #1660 in the FDIC failed bank list.

How many branches does Farmers and Merchants Bank of South Carolina have?

8 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Holly Hill

InstitutionScoreAssetsCapitalProblem loansCompare
The Bank of ClarendonBank Manning, SC84 out of 100, Strong$438.3M11.7%0.01%vs
First National Bank of South CarolinaBank Holly Hill, SC82 out of 100, Strong$309.7M12.4%0.43%vs
South Carolina Federal Credit UnionCredit union North Charlesto, SC76 out of 100, Strong$2.6B13.3%0.60%vs
United BankBank Fairfax, VA74 out of 100, Strong$33.6B11.6%0.44%vs
The Citizens BankBank Olanta, SC74 out of 100, Strong$1.1B9.9%0.18%vs
Rev Federal Credit UnionCredit union Charleston, SC72 out of 100, Strong$1.2B13.8%0.57%vs