Banks | Farmers & Merchants Bank
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Farmers & Merchants Bank


ACH Number: 51404419

Farmers & Merchants Bank is an FDIC insured institution headquartered at 165 New Market Rd, Timberville, VA 22853.
It was founded in 1908 and has approximately $1 billion in assets. Customers can open an account at one of its 13 branches.

Deposit Rates - February 09, 2026

SAVINGS RATES APY MIN
Savings
0.25% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.10% $10,000 Compare
6 Mo CD
0.10% $100,000 Compare
12 Mo CD
0.20% $10,000 Compare
12 Mo CD
0.20% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.30% $10,000 Compare
24 Mo CD
0.30% $100,000 Compare
30 Mo CD
0.40% $10,000 Compare
30 Mo CD
0.40% $100,000 Compare
Special: 33 Mo CD
0.45% $1,000 Compare
36 Mo CD
0.50% $10,000 Compare
36 Mo CD
0.50% $100,000 Compare
48 Mo CD
0.60% $10,000 Compare
48 Mo CD
0.60% $100,000 Compare
60 Mo CD
0.75% $10,000 Compare
60 Mo CD
0.75% $100,000 Compare
MM RATES APY MIN
Money Market
0.50% $2,500 Compare
Money Market
0.50% $10,000 Compare
Money Market
0.50% $25,000 Compare
PREMM RATES APY MIN
Premium Money Market
1.51% $10,000 Compare
Premium Money Market
1.51% $25,000 Compare
FIXED IRA RATES APY MIN
Special: 33 Mo FIRA
0.45% $1,000
INT CHECKING RATES APY MIN
Int Ckg
0.15% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 8668
Date Established 1908
Assets $ 1,356.56 million
Loans $ 865.75 million
Deposits $ 1,240.59 million
Capital $ 102.55 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 20.37 million
Interest-bearing balances $ 0.53 million
Total securities $ 329.42 million
Federal funds sold and reverse repurchase $ 64.09 million
Net loans and leases $ 865.75 million
Loan loss allowance $ 7.85 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 2.91 million
All other assets $ 55.40 million
     Total Assets $ 1,254.01 million

LIABILITIES
Total deposits $ 1,240.59 million
      Interest-bearing deposits $ 955.02 million
      Deposits held in domestic offices $ 1,240.59 million
      % insured (estimated)" 86.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 30.00 million
Subordinated debt N.A.
All other liabilities $ 14.97 millionn
      Total Liabilities $ 1,254.01 million
      Shareholders’ Equity $ 102.55 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 50.09 million
Total Interest Expense $ 19.28 million
Net interest income $ 30.80 million
Provision for loan and lease losses $ 1.62 million
Total non interest income $ 6.98 million
Total non interest expense $ 26.57 million
Pre-tax Net Operating Income $ 4.63 million

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Branches

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Farmers & Merchants Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    Farmers & Merchants Bank
    Bank
    VIRGINIA
    $50,000
    N.A.
    0.25%
    1.11x (National Avg. - 0.23%)
    $2,500
    -
    SCENARIO
    Year Rate
    0.25%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 125 88
    2 50,125 125 88
    3 50,250 126 88
    4 50,376 126 88
    5 50,502 126 88
    6 50,628 127 89
    7 50,755 127 89
    8 50,882 127 89
    9 51,009 128 89
    10 51,136 128 89
    11 51,264 128 90
    12 51,392 128 90
    13 51,521 129 90
    14 51,650 129 90
    15 51,779 129 91
    16 51,908 130 91
    17 52,038 130 91
    18 52,168 130 91
    19 52,298 131 92
    20 52,429 131 92
    TOTAL $2,560 $1,792
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    3.75%
    16.67x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    3.75%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 1,875 1,313
    2 51,875 1,945 1,362
    3 53,820 2,018 1,413
    4 55,839 2,094 1,466
    5 57,933 2,172 1,521
    6 60,105 2,254 1,578
    7 62,359 2,338 1,637
    8 64,697 2,426 1,698
    9 67,124 2,517 1,762
    10 69,641 2,612 1,828
    11 72,252 2,709 1,897
    12 74,962 2,811 1,968
    13 77,773 2,916 2,042
    14 80,689 3,026 2,118
    15 83,715 3,139 2,198
    16 86,854 3,257 2,280
    17 90,111 3,379 2,365
    18 93,491 3,506 2,454
    19 96,996 3,637 2,546
    20 100,634 3,774 2,642
    TOTAL $54,408 $38,085


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