FARMERS&MERCHANTS BANCSHARES is the bank holding company. FARMERS & MERCHANTS BANK & TRUST is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the holding company level.

Bank Holding Company

FARMERS&MERCHANTS BANCSHARES

Legal name: FARMERS AND MERCHANTS BANCSHARES, INC.

1 active bank · 1 merged/absorbed · $211M combined assets

RSSD ID: 2178631 (FFIEC NIC)

Combined Assets

$211M

CRA Rating Summary

Satisfactory1charter

Across all 10 exams on record for this holding company's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankFARMERS & MERCHANTS BANK & TRUSTBURLINGTON, IASatisfactory$211MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$211M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$187M

Net Income

$524K

ROA (avg)

0.99%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
FARMERS & MERCHANTS BANK & TRUST	BURLINGTON, IA	FDIC	$211M	100.0%	Satisfactory	Jan 2025

CRA (Community Reinvestment Act) exams are conducted per charter, not per holding company. Asset figures are from the most recent FDIC call report.