Farmers and Merchants Bank (MD)

Overview / Commentary

www.fmb1919.bank

410-833-6600

15226 Hanover Road
Upperco, MD 21155

Farmers and Merchants Bank (MD) is headquartered in Upperco and is the 16^th largest bank in the state of Maryland. It is also the 1,287^th largest bank in the nation. It was established in 1919 and as of December of 2020, it had grown to 95 employees at 9 locations. Farmers and Merchants Bank (MD) has a B+ health rating.

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Health

B+

Data as of Q4 2020

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Health Grade Components

Overall
FDIC Certificate #	1895
Year Established	1919
Employees	95
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.34%
Return on Equity - YTD	3.42%
Annual Interest Income	$20.8MM

Assets and Liabilities
Assets	Q4 2020vs Q4 2019	$678.4MM$443.1MM
Loans	Q4 2020vs Q4 2019	$523.4MM$359.6MM
Deposits	Q4 2020vs Q4 2019	$575.9MM$378.4MM
Equity Capital	Q4 2020vs Q4 2019	$67.8MM$48.7MM
Loan Loss Allowance	Q4 2020vs Q4 2019	$3.3MM$2.6MM
Unbacked Noncurrent Loans	Q4 2020vs Q4 2019	$4.6MM$0
Real Estate Owned	Q4 2020vs Q4 2019	$1.4MM$0

Rates

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Savings
Money Market
Checking
CD
IRA

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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants Bank (MD) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	Sweep Account
0.05%	-	-	Savings Account
0.05%	-	-	Vacation Club Account
0.05%	-	-	Holiday Club Account

Farmers and Merchants Bank (MD) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.25%^*	$100k^*	-	Jumbo Money Market Account
OTHER TIERS: 0.10% → Up to $100k
0.20%^*	$100k^*	-	Money Market Account
OTHER TIERS: 0.05% → Up to $2.5k \| 0.07% → $2.5k - $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $100k

Farmers and Merchants Bank (MD) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$1k^*	-	Super NOW Checking Account
OTHER TIERS: 0.03% → $600 - $1k
0.05%	$1k	-	Prime of Your Life Checking Account
0.03%	$600	-	NOW Checking Account

Farmers and Merchants Bank (MD) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	$500	-	60 Month CD
0.40%	$500	-	Business 60 Month CD
0.35%	$500	-	36 Month CD Special
0.35%	$500	-	Business 36 Month CD Special
0.30%	$500	-	30 Month CD
0.30%	$500	-	15 Month CD Special
0.30%	$500	-	Business 15 Month CD Special
0.30%	$500	-	Business 30 Month CD
0.25%	$500	-	24 Month CD
0.25%	$500	-	10 Month CD Special
0.25%	$500	-	Business 10 Month CD Special
0.25%	$500	-	Business 24 Month CD
0.20%	$500	-	18 Month CD
0.20%	$500	-	Business 18 Month CD
0.15%	$500	-	12 Month CD
0.15%	$500	-	Business 12 Month CD
0.10%	$500	-	6 Month CD
0.10%	$500	-	Business 6 Month CD
0.05%	$500	-	3 Month CD
0.05%	$500	-	Business 3 Month CD

Farmers and Merchants Bank (MD) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%	$100	-	60 Month IRA
0.40%	$100	-	30 Month IRA
0.35%	$100	-	24 Month IRA
0.30%	$100	-	18 Month IRA
0.25%	$100	-	12 Month IRA
0.20%	$100	-	6 Month IRA
0.15%	$100	-	3 Month IRA

Locations

Cities: Hampstead, Owings Mills, Reisterstown, Sykesville, Upperco, Westminster

Hampstead Branches
Greenmount Branch	2320 Hanover Pike	Hampstead, MD 21074
Hampstead Branch	735 Hanover Pike	Hampstead, MD 21074

Owings Mills Branches
Atrium Village Branch	4730 Atrium Court	Owings Mills, MD 21117
Owings Mills Branch	9320 Lakeside Blvd, P.o. Box 409	Owings Mills, MD 21117

Reisterstown Branches
Reisterstown Branch	25 Westminster Pike, P.o. Box 249	Reisterstown, MD 21136

Sykesville Branches
Carroll Community Bank Branch	1321 Liberty Road	Sykesville, MD 21784

Upperco Branches
Farmers and Merchants Bank	15226 Hanover Pike	Upperco, MD 21155

Westminster Branches
Westminster Branch	275 Clifton Road	Westminster, MD 21157
Carroll Lutheran Village Branch	205 St. Mark Way	Westminster, MD 21158
Baltimore Boulevard Branch	1010 Baltimore Boulevard	Westminster, MD 21157

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