Farmers & Merchants Bank is a bank based in Duke, Oklahoma, established in 1910, with $20 million in total assets across 1 branch. By Trust Grade it ranks 103rd of 170 banks we track in Oklahoma. Its capital ratio of 11.6% trails most similarly sized banks (45th percentile), versus a Oklahoma median of 10.4%. It was profitable over the most recent period, with a 0.58% return on assets. No consumer complaints against 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 Farmers & Merchants Bank compares to Oklahoma peers
How we graded Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.6% capital ratio)
- Profitable (ROA 0.58%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (1)
- 101 East Second Street, Duke, OK 73532
Are deposits at Farmers & Merchants Bank insured?
Yes. Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #12284). 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.
Farmers & Merchants Bank: frequently asked questions
Is Farmers & Merchants Bank a good bank?
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 (11.6% capital ratio); Profitable (ROA 0.58%).
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #12284). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank?
Farmers & Merchants Bank holds $20 million in total assets, ranking 103rd of 170 banks we track in Oklahoma. It operates 1 branch.
Does Farmers & Merchants Bank have CFPB complaints?
No CFPB complaints against 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.
