The Farmers & Merchants Bank
Waterloo, AL · State, non-member commercial bank
Sonar Score
Caution
out of 100 · from public FDIC data
Reported March 31, 2026. The Sonar Score is an informational signal from public FDIC data — not a rating or financial advice.
Key figures
- Total assets
- $98.8M
- Total deposits
- $87.2M
- Branches
- 2
- Return on assets
- 0.65%
- Return on equity
- 5.74%
- Charter type
- State, non-member commercial bank
- Established
- 1914
- FDIC cert #
- 1745
How the 45 breaks down
Capital ratio not reported.
Modest but positive returns.
Positive but moderate equity returns.
Community-scale institution.
Your deposits at The Farmers & Merchants Bank
The Farmers & Merchants Bank is an FDIC-insured institution (Cert #1745). Deposits are insured up to $250,000 per depositor, per ownership category, by the full faith and credit of the US government. Learn how to maximize your coverage →
2 branch locations
320 Main St
Waterloo, AL 35677
11345 State Highway 20
Florence, AL 35633
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