The Farmers & Merchants Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.30%	5-year CD	60 Month Exchange Rate Certificate 3.00% - American Express National Bank 60 Month CD
0.90%	1-year CD	12 Month Exchange Rate Certificate 2.45% - Synchrony Bank 12 Month CD
0.45%	Savings	Regular Savings Account 1.80% - American Express National Bank High Yield Savings Account

View all The Farmers & Merchants Bank rates »

Overview / Commentary

www.dyerfmbank.com

731-692-3761

110 South Main Street
Dyer, TN 38330

The Farmers & Merchants Bank is headquartered in Dyer and is the 125^th largest bank in the state of Tennessee. It is also the 4,205^th largest bank in the nation. It was established in 1895 and as of June of 2018, it had grown to 33 employees at 4 locations. The Farmers & Merchants Bank's money market rates are 14% higher than the national average, and it has a C+ health rating.

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Health

C+

Data as of Q2 2018

Learn why bank health matters

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. The Farmers & Merchants Bank has a relatively low asset base.

Health Grade Components

Overall
FDIC Certificate #	1480
Year Established	1895
Employees	33
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.27%
Return on Equity - YTD	3.26%
Annual Interest Income	$1.6MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$98.1MM$102.3MM
Loans	Q2 2018vs Q2 2017	$31.3MM$30.3MM
Deposits	Q2 2018vs Q2 2017	$85.5MM$88.3MM
Equity Capital	Q2 2018vs Q2 2017	$7.8MM$9.3MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$219.00K$134.00K
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$699.00K$523.00K
Real Estate Owned	Q2 2018vs Q2 2017	$500.00K$621.00K

Rates

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

The Farmers & Merchants Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.65%	-	-	Christmas Club Savings Account
0.65%	-	-	Vacation Club Account
0.45%	-	-	Regular Savings Account

The Farmers & Merchants Bank Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%	$2.5k	-	Money Market Account

The Farmers & Merchants Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$2.5k^*	$10k	High Yield Business Checking Account
OTHER TIERS: 0.15% → $25k+ \| 0.25% → $10k - $25k
0.15%^*	$1k^*	$2.5k	Super NOW Checking Account
OTHER TIERS: 0.10% → $2.5k+
0.10%	$1k	-	Now Checking Account
0.10%	$1k	-	Hometown Secure Checking

The Farmers & Merchants Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.60%	$1k	-	60 Month CD
1.40%	$1k	-	48 Month CD
1.35%	$1k	-	36 Month CD
1.30%	$1k	-	60 Month Exchange Rate Certificate
1.20%	$1k	-	30 Month CD
1.15%	$1k	-	24 Month CD
1.10%	$1k	-	30 Month Exchange Rate Certificate
1.05%	$1k	-	18 Month CD
1.00%	$1k	-	18 Month Exchange Rate Certificate
0.90%	$1k	-	12 Month CD
0.90%	$1k	-	12 Month Exchange Rate Certificate
0.65%	$1k	-	6 Month CD
0.30%	$1k	-	3 Month CD

The Farmers & Merchants Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.90%	-	-	12 Month Fixed IRA
0.90%	-	-	12 Month Variable IRA
0.90%	-	-	12 Month Roth Fixed IRA

Locations

The Farmers & Merchants Bank Locations
The Farmers & Merchants Bank	110 South Main Street	Dyer, TN 38330
Humboldt Branch	316 North 22nd Avenue	Humboldt, TN 38343
College Street Branch	667 N College	Trenton, TN 38382
Foodrite Branch	705 South Main Street	Dyer, TN 38330

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