THE FARMERS & MERCHANTS BANK
WATERLOO, AL · Supervised by FDIC
RSSD ID: FDIC-1745
Needs to Improve
Current rating · Exam: March 2026
Current Examination
Overall Rating
Needs to Improve
Exam Date
March 1, 2026
Exam Type
Small Bank
Regulator
FDIC
Rating History
8 previous ratings locked — dating back to 1992
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Rating Over Time
🔒 LockedOutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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