The Farmers & Merchants Bank

Overview / Commentary
110 South Main Street
Dyer, TN 38330

The Farmers & Merchants Bank is headquartered in Dyer and is the 120th largest bank in the state of Tennessee. It is also the 4,043rd largest bank in the nation. It was established in 1895 and as of December of 2019, it had grown to 30 employees at 4 locations. The Farmers & Merchants Bank's savings rates are 44% higher than the national average, and it has a B+ health rating.


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

Health Grade Components

FDIC Certificate #1480
Year Established1895
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.24%
Return on Equity - YTD2.58%
Annual Interest Income$3.5MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$98.9MM$98.3MM
LoansQ4 2019vs Q4 2018$33.2MM$30.5MM
DepositsQ4 2019vs Q4 2018$84.6MM$85.8MM
Equity CapitalQ4 2019vs Q4 2018$9.8MM$8.0MM
Loan Loss AllowanceQ4 2019vs Q4 2018$186.00K$235.00K
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$277.00K$694.00K
Real Estate OwnedQ4 2019vs Q4 2018$429.00K$511.00K
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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

0.75%--Regular Savings Account
0.75%--Christmas Club Savings Account
0.75%--Vacation Club Account

The Farmers & Merchants Bank Money Market Rates

0.50%$2.5k-Money Market Account

The Farmers & Merchants Bank Checking Account Rates

0.50%*$25k*-High Yield Business Checking Account
OTHER TIERS: 0.15% $2.5k - $10k | 0.25% $10k - $25k
0.15%*$2.5k*-Super NOW Checking Account
OTHER TIERS: 0.10% $1k - $2.5k
0.10%$1k-Now Checking Account
0.10%$1k-Hometown Secure Checking

The Farmers & Merchants Bank CD Rates

1.50%$1k-60 Month CD
1.50%$1k-60 Month Exchange Rate Certificate
1.35%$1k-48 Month CD
1.30%$1k-18 Month CD
1.30%$1k-24 Month CD
1.30%$1k-36 Month CD
1.30%$1k-18 Month Exchange Rate Certificate
1.25%$1k-15 Month CD
1.10%$1k-13 Month CD
0.75%$1k-12 Month CD
0.75%$1k-12 Month Exchange Rate Certificate
0.35%$1k-6 Month CD
0.20%$1k-3 Month CD

The Farmers & Merchants Bank IRA Rates

1.00%--12 Month Fixed IRA
1.00%--12 Month Roth Fixed IRA
0.75%--12 Month Variable IRA

The Farmers & Merchants Bank Locations
The Farmers & Merchants Bank110 South Main StreetDyer, TN 38330
Humboldt Branch316 North 22nd AvenueHumboldt, TN 38343
College Street Branch667 N CollegeTrenton, TN 38382
Foodrite Branch705 South Main StreetDyer, TN 38330

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