Bank · FDIC insured
Farmers & Merchants Bank
A $308.7M bank headquartered in Piedmont, AL, with 5 branches in Alabama. Best rates: CDs 4.32% and savings 0.25% APY.
Farmers & Merchants Bank Carrot Score
75
Carrot Score
Higher than 39% of U.S. banks and credit unions
#9 of 12 in Anniston, AL metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers & Merchants Bank
Farmers & Merchants Bank is an independent community bank committed to improving the quality of life of the communities it serves.
- Headquarters
- 112 E Ladiga St, Piedmont, AL 36272
- FDIC certificate
- 1735 ↗
Branches
5 branches in Alabama
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Alabama
5 branches
Anniston area · 4
- Farmers and Merchants BankMain office112 E Ladiga St, Piedmont, AL 36272Directions
- Anniston Branch1429 Quintard Ave, Anniston, AL 36201Directions
- Jacksonville Branch1130 Pelham Rd S, Jacksonville, AL 36265Directions
- Oxford Branch35 Ali Way, Oxford, AL 36203Directions
Centre area · 1
- Centre Branch1225 Chesnut Byp, Centre, AL 35960Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.73% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.78% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 0.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $57 | $81 | — |
- CapitalLeverage ratio12.73%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.78%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets0.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$57Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers & Merchants Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.