Farmers and Merchants Bank

Farmers and Merchants Bank of Upperco, MD, chartered 1919: 9 offices, $874m in assets, a 9.98% leverage ratio. Straight from the federal record.

Farmers and Merchants Bank is an FDIC-insured community bank headquartered in Upperco, MD, chartered in 1919. It is supervised by the FDIC and held by Farmers & Merchants Bancshares. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Farmers and Merchants Bank has branches

9 full-service offices across 1 state:

• Maryland: 9 offices in 7 towns, holding $750m at 30 June 2025

Farmers and Merchants Bank on its latest Call Report, 30 June 2026

• Total assets: $874m
• Total deposits: $726m
• Tier 1 leverage ratio: 9.98%
• Total risk-based capital ratio: 12.75%
• Noncurrent loans, as a share of loans: 0.00%
• Return on assets: 0.97%
• Net interest margin: 3.46%
• Staff: 97

Compare Farmers and Merchants Bank against every other bank with a branch in Maryland, or find the offices nearest you.

Charter and office records from the FDIC BankFind Suite; capital, loan and earnings figures from the bank's own Call Report; deposits by office from the FDIC Summary of Deposits, counted each 30 June.