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Balance Sheets Overview
Debt to Asset Ratio
89.01%
Unit: Thousand (K) dollars
Assets Breakdown
Loans - gross
Cash and due from banks
Goodwill
Others
Liabilities Breakdown
Now accounts
Savings
Time
Others
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Page 1
Quarterly
123
Page 1
Balance Sheets
2026-06-30
2026-03-31
2025-12-31
2025-09-30
Cash and due from banks
155,879
172,847
97,249
116,448
Federal funds sold
511
623
469
582
Total cash and cash equivalents
156,390
173,470
97,718
117,030
Interest-bearing time deposits
518
1,253
1,498
1,498
Securities - available-for-sale
441,254
429,623
422,072
422,773
Other securities, at cost
10,681
12,672
13,032
11,509
Loans held for sale
2,994
5,579
3,934
3,003
Loans - gross
2,705,886
2,682,298
2,713,470
2,659,727
Less net deferred loan fees and costs
1,419
1,436
-1,511
-1,452
Loans after net deferred loan fees and costs
2,704,467
2,680,862
2,711,959
2,658,275
Less allowance for credit losses
27,941
27,830
27,688
27,475
Plus basis adjustment related to fair value hedges
546
1,103
1,719
1,868
Loans, net of allowance for credit losses of 27,941 and 27,688
2,677,072
2,654,135
2,685,990
2,632,668
Premises and equipment (gross)
-
-
79,728
-
Less accumulated depreciation
-
-
47,864
-
Premises and equipment
30,334
31,534
31,864
32,321
Goodwill
86,358
86,358
86,358
86,358
Loan servicing rights
5,085
4,972
5,175
5,537
Other real estate owned
-
319
-
-
Bank owned life insurance
48,021
45,407
47,410
35,602
Other assets
43,411
40,247
39,331
42,453
Total assets
3,502,118
3,485,569
3,434,382
3,390,752
Noninterest-bearing
506,119
520,348
527,327
500,742
Now accounts
898,902
910,723
876,151
920,099
Savings
771,379
753,289
729,472
713,391
Time
693,008
625,302
597,785
617,679
Total deposits
2,869,408
2,809,662
2,730,735
2,751,911
Federal funds purchased and securities sold under agreement to repurchase
-
-
37,718
-
Securities sold under agreements to repurchase
14,771
14,762
-
22,718
Federal home loan bank (fhlb) advances
168,447
218,987
227,377
187,913
Subordinated notes, net of unamortized issuance costs
34,991
34,962
34,933
34,904
Dividend payable
3,130
3,128
3,125
3,091
Accrued expenses and other liabilities
26,655
28,120
29,632
28,435
Total liabilities
3,117,402
3,109,621
3,063,520
3,028,972
Common stock - no par value authorized 40,000,000 shares issued 14,564,425 shares outstanding 13,779,385 shares 6/30/26 and 13,748,074 shares 12/31/25
135,510
135,270
135,531
135,170
Treasury stock - 785,040 shares 6/30/26 and 816,351 shares 12/31/25
10,293
10,403
10,636
10,584
Retained earnings
273,455
264,607
257,855
251,181
Accumulated other comprehensive loss
-13,956
-13,526
-11,888
-13,987
Total stockholders' equity
384,716
375,948
370,862
361,780
Total liabilities and stockholders' equity
3,502,118
3,485,569
3,434,382
3,390,752
Page 1
Unit: Thousand (K) dollars (except for numbers of shares and EPS). Numbers labeled with * are estimated quarterly values.
Page 1
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Balance Sheets
Loans - gross
$2,705,886K
Loans after net
deferred loan fees and...
$2,704,467K
Cash and due from
banks
$155,879K
(77.95%↑ Y/Y)
Federal funds sold
$511K
(-19.53%↓ Y/Y)
Plus basis
adjustment related to fair...
$546K
Less net deferred
loan fees and costs
$1,419K
Loans, net of allowance
for credit losses of...
$2,677,072K
(2.97%↑ Y/Y)
Securities -
available-for-sale
$441,254K
(2.35%↑ Y/Y)
Total cash and cash
equivalents
$156,390K
(77.25%↑ Y/Y)
Goodwill
$86,358K
(0.00%↑ Y/Y)
Bank owned life
insurance
$48,021K
(35.83%↑ Y/Y)
Other assets
$43,411K
(-0.80%↓ Y/Y)
Premises and equipment
$30,334K
(-7.76%↓ Y/Y)
Other securities, at
cost
$10,681K
(-23.67%↓ Y/Y)
Loan servicing
rights
$5,085K
(-12.48%↓ Y/Y)
Loans held for sale
$2,994K
(-52.92%↓ Y/Y)
Interest-bearing time deposits
$518K
(-74.00%↓ Y/Y)
Less allowance for
credit losses
$27,941K
Total assets
$3,502,118K
(4.67%↑ Y/Y)
Total liabilities and
stockholders' equity
$3,502,118K
(4.67%↑ Y/Y)
Total liabilities
$3,117,402K
(4.09%↑ Y/Y)
Total stockholders'
equity
$384,716K
(9.67%↑ Y/Y)
Accumulated other
comprehensive loss
-$13,956K
(27.35%↑ Y/Y)
Treasury stock - 785,040
shares 6/30/26 and...
$10,293K
(-3.57%↓ Y/Y)
Total deposits
$2,869,408K
(5.87%↑ Y/Y)
Federal home loan bank
(fhlb) advances
$168,447K
(-10.61%↓ Y/Y)
Subordinated notes, net of
unamortized issuance costs
$34,991K
(0.33%↑ Y/Y)
Accrued expenses and
other liabilities
$26,655K
(-13.35%↓ Y/Y)
Securities sold under
agreements to repurchase
$14,771K
(-46.41%↓ Y/Y)
Dividend payable
$3,130K
(4.33%↑ Y/Y)
Retained earnings
$273,455K
(11.67%↑ Y/Y)
Common stock - no par
value authorized...
$135,510K
(-0.22%↓ Y/Y)
Now accounts
$898,902K
(-0.08%↓ Y/Y)
Savings
$771,379K
(11.56%↑ Y/Y)
Time
$693,008K
(11.51%↑ Y/Y)
Noninterest-bearing
$506,119K
(1.67%↑ Y/Y)
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FARMERS & MERCHANTS BANCORP INC (FMAO)
FARMERS & MERCHANTS BANCORP INC (FMAO)