Total Assets
$998.8M
Total Deposits
$842.6M
Branches
12
Established
1909
Farmers & Merchants Bank is a bank headquartered in Granite Quarry, North Carolina, established in 1909. It holds $998.8M in total assets across 12 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers & Merchants Bank earns a TFS Financial Health Grade of A+ (93.3/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
93.3 / 100
Excellent financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| Farmers & Merchants BankHQ | 138 N Salisbury Gq Ave | Granite Quarry | NC | 11 |
| Farmers & Merchants Bank | 116 N Main St | China Grove | NC | 11 |
| Farmers & Merchants Bank | 635 Church St N | Concord | NC | 11 |
| Farmers & Merchants Bank | 115 South Main Faith Street | Faith | NC | 11 |
| Farmers & Merchants Bank | 2975 Dale Earnhardt Blvd | Kannapolis | NC | 11 |
| Farmers & Merchants Bank | 6801 Falls Of Neuse Rd | Raleigh | NC | 11 |
| Farmers & Merchants Bank | 418 W Main St | Rockwell | NC | 11 |
| Farmers & Merchants Bank | 221 Statesville Blvd | Salisbury | NC | 11 |
| Farmers & Merchants Bank | 102 Avalon Dr | Salisbury | NC | 11 |
| Farmers & Merchants Bank | 420 N Main St | Salisbury | NC | 11 |
| Farmers & Merchants Bank | 728 Klumac Rd | Salisbury | NC | 11 |
| Farmers & Merchants Bank | 630 Jake Alexander Blvd W | Salisbury | NC | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
93.3
Tier 1 capital ratio
15.25%
Return on assets
2.55%
Non-performing loans
0.79%
Efficiency ratio
47.88%
Asset growth (YoY)
7.27%
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.