🏦Bank Scorer

FARMERS AND MERCHANTS BANK

UPPERCO, MD · Supervised by FDIC

Est. 1919FDIC #1,895RSSD: FDIC-1895
Part ofFARMERS&MERCHANTS BANCSHARES→ View all charters
Satisfactory Same

Current rating · Exam: February 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 0.95%

Institution Profile

FDIC BankFind

Address

15226 Hanover Pike, UPPERCO, MD

County

Baltimore County

Established

January 1, 1919

Total Assets

$863M(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, 2026

Exam Type

Intermediate Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Feb 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$863M

Total Deposits

$712M

Net Loans

$629M

Net Income

$2M

ROA

0.95%

ROE

10.73%

Risk-Based Capital

12.64%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

9

Branch Deposits

$750M

1-Year Change

0

5-year net change: +1 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

9 previous ratings locked — dating back to 1993

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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