🏦Bank Scorer

FARMERS & MERCHANTS BANK

DUKE, OK · Supervised by FDIC

Est. 1910FDIC #12,284RSSD: FDIC-12284
Satisfactory Same

Current rating · Exam: February 2025

At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.58%

Institution Profile

FDIC BankFind

Address

101 East Second Street, DUKE, OK

County

Jackson County

Established

May 2, 1910

Total Assets

$20M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

February 1, 2025

Exam Type

Small Bank

Regulator

FDIC
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$20M

Total Deposits

$17M

Net Loans

$6M

Net Income

$28K

ROA

0.58%

Above avg for Small banks. Peer avg: 0.44%

ROE

4.93%

Risk-Based Capital

0.00%

Below avg for Small banks. Regulatory min: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

ROA0.58%Peer avg: 0.44%▲ Above avg
Risk-Based Capital0.00%Peer avg: 23.03%▼ Below avg

Unlock peer list → See which specific banks are in this peer group.

Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$18M

1-Year Change

0

Rating History

CRA / FFIEC

Rating Trend

Stable

Based on last 3 exams

Exam DateRatingExam Type
Feb 2025SatisfactorySmall Bank
Mar 2019SatisfactorySmall Bank
Apr 2013SatisfactorySmall Bank

6 previous ratings locked — back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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