Total Assets
$1.4B
Total Deposits
$1.3B
Branches
15
Established
1908
Farmers & Merchants Bank is a bank headquartered in Timberville, Virginia, established in 1908. It holds $1.4B in total assets across 15 branch locations. In our editorial opinion, based on public FDIC/NCUA data, Farmers & Merchants Bank earns a TFS Financial Health Grade of B+ (81.9/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.9 / 100
Good 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 | 165 New Market Rd | Timberville | VA | 11 |
| Farmers & Merchants Bank | 100 Plaza Dr | Bridgewater | VA | 11 |
| Farmers & Merchants Bank | 126 N Timber Way | Broadway | VA | 11 |
| Farmers & Merchants Bank | 320 Stoney Creek Blvd | Edinburg | VA | 11 |
| Farmers & Merchants Bank | 127 Rockingham Street | Elkton | VA | 11 |
| Farmers & Merchants Bank | 2030 Legacy Ln | Harrisonburg | VA | 11 |
| Farmers & Merchants Bank | 80 Cross Keys Rd | Harrisonburg | VA | 11 |
| Farmers & Merchants Bank | 30 Gosnell Xing | Staunton | VA | 11 |
| Farmers & Merchants Bank | 2813 N Augusta St | Staunton | VA | 11 |
| Farmers & Merchants Bank | 2782 Stuarts Draft Hwy | Stuarts Draft | VA | 11 |
| Farmers & Merchants Bank | 2701 W Main St | Waynesboro | VA | 11 |
| Farmers & Merchants Bank | 1738 Amherst St | Winchester | VA | 11 |
| Farmers & Merchants Bank | 45 E Boscawen St | Winchester | VA | 11 |
| Farmers & Merchants Bank | 3 S Cameron St | Winchester | VA | 11 |
| Farmers & Merchants Bank | 161 S Main St | Woodstock | VA | 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
81.9
Tier 1 capital ratio
9.10%
Return on assets
1.24%
Non-performing loans
0.43%
Efficiency ratio
58.18%
Asset growth (YoY)
6.53%
Suggested direct comparisons
Richmond City, VA
$38.0B
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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.