Mechanics & Farmers Bank is a bank based in Durham, North Carolina, established in 1908, with $489 million in total assets across 8 branches. By Trust Grade it ranks 15th of 38 banks we track in North Carolina. Its capital ratio of 13.9% is stronger than 85% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 0.66% return on assets. No consumer complaints against Mechanics & Farmers Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Mechanics & Farmers Bank compares to North Carolina peers
How we graded Mechanics & Farmers Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.9% capital ratio)
- Profitable (ROA 0.66%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Mechanics & Farmers Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (8)
- 100 S Murrow Blvd, Greensboro, NC 27401
- 101 Beatties Ford Rd, Charlotte, NC 28216
- 2705 Chapel Hill Blvd, Durham, NC 27707
- 13 E Hargett St, Raleigh, NC 27601
- 1824 Rock Quarry Rd, Raleigh, NC 27610
- 770 M.L. King Blvd., Winston Salem, NC 27101
- 2634 Chapel Hill Blvd, Durham, NC 27707
- 116 W Parrish St, Durham, NC 27701
Are deposits at Mechanics & Farmers Bank insured?
Yes. Mechanics & Farmers Bank is an FDIC-insured bank (FDIC certificate #12266). 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.
Mechanics & Farmers Bank: frequently asked questions
Is Mechanics & Farmers Bank a good bank?
Mechanics & Farmers 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 (13.9% capital ratio); Profitable (ROA 0.66%).
Is Mechanics & Farmers Bank FDIC-insured?
Yes. Mechanics & Farmers Bank is a FDIC-insured bank (FDIC certificate #12266). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Mechanics & Farmers Bank?
Mechanics & Farmers Bank holds $489 million in total assets, ranking 15th of 38 banks we track in North Carolina. It operates 8 branches.
Does Mechanics & Farmers Bank have CFPB complaints?
No CFPB complaints against Mechanics & Farmers 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.
