The Farmers & Merchants Bank
Headquarters: Waterloo, Alabama
Overview
The Farmers & Merchants Bank is an FDIC-insured bank headquartered in Waterloo, Alabama. It reported $98.77M in assets and $87.22M in deposits for the period ending March 30, 2026. Bankular currently lists 2 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 30, 2025 to March 30, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Locations
Find a branch of The Farmers & Merchants Bank
Florence Branch
11345 State Highway 20, Florence, Alabama, 35633
Full-service branch · Opened July 25, 1994
Main Office
320 Main St, Waterloo, Alabama, 35677
Full-service branch · Opened June 30, 1914
Financial overview
Latest reported figures
Through March 30, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 30, 2026 | $98.77M | $87.22M | $4.75M | 0.65% |
| December 30, 2025 | $100.07M | $88.06M | $5.21M | 0.16% |
| September 29, 2025 | $98.76M | $87.04M | $5.56M | 0.44% |
| June 29, 2025 | $95.97M | $85.44M | $5.17M | 0.43% |
| March 30, 2025 | $93.72M | $83.80M | $5.33M | 0.39% |
| December 30, 2024 | $95.47M | $86.75M | $5.45M | -2.40% |
| September 29, 2024 | $94.68M | $83.16M | $5.20M | -2.93% |
| June 29, 2024 | $97.62M | $88.37M | $5.10M | -4.45% |
Size and reach
How this institution compares
Explore the institution
More on The Farmers & Merchants Bank
Use the available Bankular sections to move from institution identity to products, locations, market context and source verification.
Branch locations
2 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Alabama.
Explore →Waterloo banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is The Farmers & Merchants Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 1745.
Where is The Farmers & Merchants Bank headquartered?
The Farmers & Merchants Bank is headquartered in Waterloo, Alabama, at 320 Main St, Waterloo, Alabama, 35677.
How large is The Farmers & Merchants Bank?
It reported $98.77M in assets and $87.22M in deposits for the period ending March 30, 2026.
How many locations does The Farmers & Merchants Bank have?
Bankular currently lists 2 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.