Farmers & Merchants Bank

Farmers & Merchants Bank of Granite Quarry, NC, chartered 1909: 12 offices, $999m in assets. Straight from the federal record.

Farmers & Merchants Bank is an FDIC-insured community bank headquartered in Granite Quarry, NC, chartered in 1909. It is supervised by the FDIC and held by F & M Financial Corp. Every figure below is filed by the bank with its regulator and reproduced here unchanged.

Where Farmers & Merchants Bank has branches

12 full-service offices across 1 state:

• North Carolina: 12 offices in 8 towns, holding $790m at 30 June 2025

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

• Total assets: $999m
• Total deposits: $843m
• Tier 1 leverage ratio: 15.25%
• Total risk-based capital ratio: 26.72%
• Noncurrent loans, as a share of loans: 0.79%
• Return on assets: 2.55%
• Net interest margin: 5.09%
• Staff: 123

Compare Farmers & Merchants Bank against every other bank with a branch in North Carolina, 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.