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Overview / Commentary
116 West Parrish Street
Durham, NC 27702

Mechanics and Farmers Bank (M&F Bank) is an independent bank committed to meeting the financial services needs of the communities they serve. Their motivated and dedicated employees will provide quality service to all customers, promoting personal and community development while continuing its tradition of serving those who historically have been underserved


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Additional Factors: Institutions with a small asset base, a short operating history, or negative return on equity can represent an instability risk beyond what their financial ratios indicate. Mechanics and Farmers Bank has a negative return on equity.

Health Grade Components

FDIC Certificate #12266
Year Established1908
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-1.58%
Return on Equity - YTD-13.73%
Annual Interest Income$7.2MM
Assets and Liabilities
AssetsQ3 2016vs Q3 2015$310.0MM$301.2MM
LoansQ3 2016vs Q3 2015$144.0MM$172.3MM
DepositsQ3 2016vs Q3 2015$272.5MM$258.8MM
Equity CapitalQ3 2016vs Q3 2015$32.1MM$36.1MM
Loan Loss AllowanceQ3 2016vs Q3 2015$2.5MM$3.4MM
Unbacked Noncurrent LoansQ3 2016vs Q3 2015$3.8MM$7.7MM
Real Estate OwnedQ3 2016vs Q3 2015$2.1MM$2.1MM

Rates for Mechanics and Farmers Bank are currently being reviewed.


Mechanics and Farmers Bank Locations
100 South Murrow Boulevard Branch100 South Murrow BoulevardGreensboro, NC 27401
Charlotte Branch101 Beatties Ford RoadCharlotte, NC 28208
Mechanics & Farmers Bank116 West Parrish StreetDurham, NC 27702
Raleigh Branch13 East Hargett StreetRaleigh, NC 27601
Rock Quarry Road Branch1824 Rock Quarry RoadRaleigh, NC 27610
Chapel Hill Blvd Branch2705 Chapel Hill BlvdDurham, NC 27707
Winston-Salem Branch770 M.l. King Blvd.Winston Salem, NC 27101