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Farmers and Merchants Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.26%5-year CD5 Year CD
2.50% - Ally Bank High Yield 5 Year CDAdvertisement
0.40%1-year CD1 Year CD
2.10% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.12%SavingsSavings Account
1.30% - Nationwide Bank Online Savings Account
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Overview / Commentary
www.f-mbank.com
256-447-9041
112 East Ladiga Street
Piedmont, AL 36272

Farmers and Merchants Bank is headquartered in Piedmont and is the 55th largest bank in the state of Alabama. It is also the 2,831st largest bank in the nation. It was established in 1915 and as of December of 2017, it had grown to 47 employees at 4 locations. Farmers and Merchants Bank has an A+ health rating.

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Reviews (1)

A Nice Bank

Posted by: hilarystuart | Apr 3, 2017

I've banked with F&M Bank for several years now and have always been happy with their service. I have both a checking and a savings account with them and pay no monthly fees because I opted to receive e-statements instead of paper statements. The interest rate on the savings account is almost nothing, but otherwise I am happy with my accounts. The staff are always friendly and greet me by name when I come in. Their online web access is convenient and easy to use, so I rarely have to stop by my local branch in person to do my day-to-day transactions. The bill pay feature through online access is nice and most of my bills are paid that way now - it saves me on stamps! Overall, I am very happy with F&M and will continue to use their services.

1


Health
A+

Data as of Q4 2017

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #1735
Year Established1915
Employees47
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.63%
Return on Equity - YTD4.73%
Annual Interest Income$8.0MM
Assets and Liabilities
AssetsQ4 2017vs Q4 2016$212.7MM$209.3MM
LoansQ4 2017vs Q4 2016$107.6MM$102.9MM
DepositsQ4 2017vs Q4 2016$181.0MM$178.5MM
Equity CapitalQ4 2017vs Q4 2016$27.8MM$26.8MM
Loan Loss AllowanceQ4 2017vs Q4 2016$1.2MM$1.2MM
Unbacked Noncurrent LoansQ4 2017vs Q4 2016$94.00K$1.2MM
Real Estate OwnedQ4 2017vs Q4 2016$263.00K$523.00K
Rates
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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 Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.12%$100-Savings Account

Farmers and Merchants Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.17%*$50k*-Wall Street MM
OTHER TIERS: 0.12% → Up to $50k

Farmers and Merchants Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.17%*$10k*-Prime Investment Checking
OTHER TIERS: 0.03% → $1k - $1,500 | 0.07% → $1,500 - $10k
0.07%$1,500-NOW Account

Farmers and Merchants Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.26%$1k-5 Year CD
0.72%$1k-4 Year CD
0.62%$1k-3 Year CD
0.52%$1k-30 Month CD
0.47%$1k-2 Year CD
0.45%$1k-18 Month CD
0.40%$1k-1 Year CD
0.25%$1k-6 Month CD
0.10%$1k-90 Day CD
0.07%$1k-60 Day CD
0.02%$1k-30 Day CD
Locations


Farmers and Merchants Bank Locations
Farmers and Merchants Bank112 East Ladiga StreetPiedmont, AL 36272
Jacksonville Branch1130 South Pelham RoadJacksonville, AL 36265
Anniston Branch1429 Quintard AvenueAnniston, AL 36201
Oxford Branch35 Ali WayOxford, AL 36203

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