Farmers & Merchants Bank is a bank based in Granite Quarry, North Carolina, established in 1909, with $986 million in total assets across 12 branches. By Trust Grade it ranks 3rd of 38 banks we track in North Carolina. Its capital ratio of 14.8% is stronger than 89% of similarly sized banks, versus a North Carolina median of 11.6%. It was profitable over the most recent period, with a 2.48% return on assets. No consumer complaints against Farmers & Merchants Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers & Merchants Bank compares to North Carolina peers
How we graded Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (14.8% capital ratio)
- Strongly profitable (ROA 2.48%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (12)
- 138 N Salisbury Gq Ave, Granite Quarry, NC 28146
- 115 South Main Faith Street, Faith, NC 28041
- 418 W Main St, Rockwell, NC 28138
- 630 Jake Alexander Blvd W, Salisbury, NC 28147
- 116 N Main St, China Grove, NC 28023
- 420 N Main St, Salisbury, NC 28144
- 221 Statesville Blvd, Salisbury, NC 28144
- 102 Avalon Dr, Salisbury, NC 28146
- 2975 Dale Earnhardt Blvd, Kannapolis, NC 28083
- 728 Klumac Rd, Salisbury, NC 28144
- 635 Church St N, Concord, NC 28025
- 6801 Falls Of Neuse Rd, Raleigh, NC 27615
Are deposits at Farmers & Merchants Bank insured?
Yes. Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #2036). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers & Merchants Bank: frequently asked questions
Is Farmers & Merchants Bank a good bank?
Farmers & Merchants Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (14.8% capital ratio); Strongly profitable (ROA 2.48%).
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #2036). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank?
Farmers & Merchants Bank holds $986 million in total assets, ranking 3rd of 38 banks we track in North Carolina. It operates 12 branches.
Does Farmers & Merchants Bank have CFPB complaints?
No CFPB complaints against Farmers & Merchants Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
