The Farmers & Merchants Bank is an FDIC insured institution headquartered at
320 Main St, Waterloo, AL 35677.
It was founded in
1914 and has approximately $0 billion in assets. Customers can open an account at one of its 2 branches.
| SAVINGS RATES | APY | MIN | |
|---|---|---|---|
|
Savings
|
0.50% | $2,500 | Compare |
| CD RATES | APY | MIN | |
|---|---|---|---|
|
6 Mo CD
|
0.25% | $10,000 | Compare |
|
6 Mo CD
|
0.25% | $100,000 | Compare |
|
12 Mo CD
|
0.50% | $10,000 | Compare |
|
12 Mo CD
|
0.50% | $100,000 | Compare |
|
24 Mo CD
|
0.60% | $10,000 | Compare |
|
24 Mo CD
|
0.60% | $100,000 | Compare |
|
36 Mo CD
|
0.60% | $10,000 | Compare |
|
36 Mo CD
|
0.60% | $100,000 | Compare |
|
48 Mo CD
|
1.25% | $10,000 | Compare |
|
48 Mo CD
|
1.25% | $100,000 | Compare |
|
60 Mo CD
|
1.51% | $10,000 | Compare |
|
60 Mo CD
|
1.51% | $100,000 | Compare |
| MM RATES | APY | MIN | |
|---|---|---|---|
|
Money Market
|
0.25% | $2,500 | Compare |
|
Money Market
|
0.25% | $10,000 | Compare |
|
Money Market
|
0.25% | $25,000 | Compare |
| INT CHECKING RATES | APY | MIN |
|---|---|---|
|
Int Ckg
|
0.15% | $2,500 |
| #1 Non-bank HELOC in the US, A+ BBB Rating | $0 |
|
Intro APR: 6.240 %
After Intro:6.240 % |
$0 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-09-22 |
Intro APR: 6.950 %
After Intro:6.950 % |
$15,000 |
Four Leaf Federal Credit Union NMLS ID: 449104 / Updated 2025-12-22 |
Intro APR: 5.990 %
After Intro:7.000 % Intro Period: 12 months |
$25,000 |
|
Intro APR: 7.250 %
After Intro:7.250 % |
$25,000 |
Pentagon Federal Credit Union NMLS ID: 401822 |
0.000% |
$0
Fees & Points
$0 Total
0.000 Pts ($0) $0 Fees |
Reliant Home Funding, Inc. NMLS ID: 292473 |
5.976% |
$1,893
Fees & Points
$3,502 Total
0.471 Pts ($1,507) $1,995 Fees |
Farmers Bank of Kansas City NMLS ID: 613839 |
5.981% |
$1,893
Fees & Points
$3,675 Total
0.900 Pts ($2,880) $795 Fees |
Quicken Loans NMLS ID: 167283 |
Fees & Points
Total
Pts ($0) $0 Fees |
Rocket Mortgage NMLS ID: 3030 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 1745 |
| Date Established | 1914 |
| Assets | $ 98.76 million |
| Loans | $ 5.56 million |
| Deposits | $ 87.04 million |
| Capital | $ 11.24 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 3.12 million |
| Interest-bearing balances | $ 2.00 million |
| Total securities | $ 81.22 million |
| Federal funds sold and reverse repurchase | $ 5.98 million |
| Net loans and leases | $ 5.56 million |
| Loan loss allowance | $ 0.18 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | N.A. |
| Goodwill and other intangibles | N.A. |
| All other assets | $ 3.53 million |
| Total Assets | $ 87.52 million |
| LIABILITIES | |
| Total deposits | $ 87.04 million |
| Interest-bearing deposits | $ 67.65 million |
| Deposits held in domestic offices | $ 87.04 million |
| % insured (estimated)" | 64.68% |
| Federal funds purchased and repurchase agreements | N.A. |
| Trading liabilities | N.A. |
| Other borrowed funds | N.A. |
| Subordinated debt | N.A. |
| All other liabilities | $ 0.31 millionn |
| Total Liabilities | $ 87.52 million |
| Shareholders’ Equity | $ 11.24 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 2.41 million |
| Total Interest Expense | $ 1.46 million |
| Net interest income | $ 0.95 million |
| Provision for loan and lease losses | N.A. |
| Total non interest income | $ 0.12 million |
| Total non interest expense | $ 0.68 million |
| Pre-tax Net Operating Income | $ 0.64 million |
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