Farmers & Merchants Bank

Farmers & Merchants Bank is a currently active commercial lending specialization banking institution headquartered in Timberville, Virginia. Established in 01/01/1908, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers & Merchants Bank manages $1.41B in total assets and holds $1.28B in customer deposits. When evaluating the stability of Farmers & Merchants Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 7.80%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.94%, while its Return on Equity (ROE) sits at 12.04%. These robust metrics contribute to an overall health score of 8.9 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.