Overview / Commentary
200 East Washington Street
Monticello, FL 32344

Farmers & Merchants Bank (FL) is headquartered in Monticello and is the 40th largest bank in the state of Florida. It is also the 1,488th largest bank in the nation. It was established in 1907 and as of June of 2018, it had grown to 96 employees at 6 locations. Farmers & Merchants Bank (FL)'s CD rates are 90% higher than the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #11286
Year Established1907
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.15%
Return on Equity - YTD13.08%
Annual Interest Income$9.7MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$476.6MM$465.2MM
LoansQ2 2018vs Q2 2017$325.8MM$304.0MM
DepositsQ2 2018vs Q2 2017$421.6MM$401.4MM
Equity CapitalQ2 2018vs Q2 2017$41.2MM$43.6MM
Loan Loss AllowanceQ2 2018vs Q2 2017$3.3MM$3.7MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$5.8MM$6.5MM
Real Estate OwnedQ2 2018vs Q2 2017$94.00K$330.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank (FL) Savings Account Rates

0.40%--IRA Investment Savings Account
0.30%--Health Savings Account
0.30%$50-eXPRESS Savings
0.30%$50-eXPRESS Youth Savings

Farmers & Merchants Bank (FL) Checking Account Rates

0.55%*$500k*-eXPRESS Checking with Interest
OTHER TIERS: 0.25% $50 - $2.5k | 0.35% $2.5k - $25k | 0.40% $25k - $100k | 0.45% $100k - $200k | 0.50% $200k - $500k

Farmers & Merchants Bank (FL) CD Rates

2.27%$500-36 Month CD
2.02%$500-24 Month CD
1.86%$500-18 Month CD
1.71%$1k-12 Month CD
1.00%$1k-180 Day CD
0.75%$1k-90 Day CD

Farmers & Merchants Bank (FL) IRA Rates

2.37%$500-36 Month IRA
2.12%$500-24 Month IRA
1.96%$500-18 Month IRA
1.81%$1k-12 Month IRA
1.10%$1k-180 Day IRA
0.85%$1k-90 Day IRA

Farmers & Merchants Bank (FL) Locations
Farmers & Merchants Bank200 East Washington StreetMonticello, FL 32344
Parkway Branch2000 Apalachee ParkwayTallahassee, FL 32301
Mahan Drive Branch2626 Mahan DriveTallahassee, FL 32317
Metropolitan Center Branch3320 Thomasville RoadTallahassee, FL 32308
North Monroe Branch3490 North Monroe StreetTallahassee, FL 32302
1313 East Jackson Street Branch1313 East Jackson StreetThomasville, GA 31792

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