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The Farmers & Merchants Bank

Popular Accounts at this Bank

APYACCOUNT TYPEACCOUNT NAME
1.35%5-year CD60 Month Exchange Rate Certificate
0.65%1-year CD12 Month Exchange Rate Certificate
0.45%SavingsRegular Savings Account

Overview / Commentary
800-724-2440
110 South Main Street
Dyer, TN 38330

The Farmers & Merchants Bank is headquartered in Dyer and is the 127th largest bank in the state of Tennessee. It is also the 4,340th largest bank in the nation. It was established in 1895 and as of September of 2017, it had grown to 32 employees at 5 locations. The Farmers & Merchants Bank's money market rates are 14% higher than the national average, but it has a C health rating.

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Health
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 Established1895
Employees32
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD-0.71%
Return on Equity - YTD-8%
Annual Interest Income$2.4MM
Assets and Liabilities
AssetsQ3 2017vs Q3 2016$97.6MM$110.6MM
LoansQ3 2017vs Q3 2016$31.1MM$34.2MM
DepositsQ3 2017vs Q3 2016$83.4MM$95.2MM
Equity CapitalQ3 2017vs Q3 2016$9.3MM$10.6MM
Loan Loss AllowanceQ3 2017vs Q3 2016$136.00K$265.00K
Unbacked Noncurrent LoansQ3 2017vs Q3 2016$891.00K$620.00K
Real Estate OwnedQ3 2017vs Q3 2016$561.00K$348.00K
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

The Farmers & Merchants Bank Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--Christmas Club Savings Account
0.65%--Vacation Club Account
0.45%--Regular Savings Account

The Farmers & Merchants Bank Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%$2,500-Money Market Account

The Farmers & Merchants Bank Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.50%*$25k*-High Yield Business Checking Account
OTHER TIERS: 0.15% $2,500 - $10k | 0.25% $10k - $25k
0.15%*$2,500*-Super NOW Checking Account
OTHER TIERS: 0.10% $1k - $2,500
0.10%$1k-Now Checking Account
0.10%$1k-Hometown Secure Checking

The Farmers & Merchants Bank CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.35%$1k-60 Month CD
1.35%$1k-60 Month Exchange Rate Certificate
1.15%$1k-48 Month CD
1.00%$1k-36 Month CD
0.95%$1k-30 Month CD
0.95%$1k-30 Month Exchange Rate Certificate
0.90%$1k-24 Month CD
0.85%$1k-18 Month CD
0.85%$1k-18 Month Exchange Rate Certificate
0.65%$1k-12 Month CD
0.65%$1k-12 Month Exchange Rate Certificate
0.45%$1k-6 Month CD
0.20%$1k-3 Month CD

The Farmers & Merchants Bank IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.65%--12 Month Fixed IRA
0.65%--12 Month Variable IRA
0.65%--12 Month Roth Fixed IRA
Locations


The Farmers & Merchants Bank Locations
The Farmers & Merchants Bank110 South Main StreetDyer, TN 38330
North Central Branch2535 North CentralHumboldt, TN 38343
Humboldt Branch316 North 22nd AvenueHumboldt, TN 38343
College Street Branch667 N CollegeTrenton, TN 38382
Foodrite Branch705 South Main StreetDyer, TN 38330