The Farmers & Merchants Bank is a bank based in Waterloo, Alabama, established in 1914, with $99 million in total assets across 2 branches. By Trust Grade it ranks 42nd of 93 banks we track in Alabama. Its capital ratio of 11.2% trails most similarly sized banks (41th percentile), versus a Alabama median of 10%. It was profitable over the most recent period, with a 0.65% return on assets. No consumer complaints against The Farmers & Merchants Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Farmers & Merchants Bank compares to Alabama peers
How we graded The Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.2% capital ratio)
- Profitable (ROA 0.65%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Farmers & Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (2)
- 320 Main St, Waterloo, AL 35677
- 11345 State Highway 20, Florence, AL 35633
Are deposits at The Farmers & Merchants Bank insured?
Yes. The Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #1745). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Farmers & Merchants Bank: frequently asked questions
Is The Farmers & Merchants Bank a good bank?
The Farmers & Merchants Bank earns a Bankzia Trust Grade of A (95/100, "Excellent"), based on a financial-strength score of 95/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Profitable (ROA 0.65%).
Is The Farmers & Merchants Bank FDIC-insured?
Yes. The Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #1745). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Farmers & Merchants Bank?
The Farmers & Merchants Bank holds $99 million in total assets, ranking 42nd of 93 banks we track in Alabama. It operates 2 branches.
Does The Farmers & Merchants Bank have CFPB complaints?
No CFPB complaints against The Farmers & Merchants Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
