Farmers And Merchants Bank is a bank based in De Leon, Texas, established in 1905, with $256 million in total assets across 7 branches. By Trust Grade it ranks 106th of 349 banks we track in Texas. Its capital ratio of 13.1% is stronger than 81% of similarly sized banks, versus a Texas median of 10.9%. It was profitable over the most recent period, with a 1.45% return on assets. No consumer complaints against Farmers And 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 And Merchants Bank compares to Texas peers
How we graded Farmers And Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (13.1% capital ratio)
- Strongly profitable (ROA 1.45%)
- No CFPB complaints on record
The Trust Grade is Bankzia’s independent, documented opinion computed from public FDIC/NCUA/CFPB data — not an official rating, and not a statement about the safety of insured deposits. Report a data error or dispute this grade →
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers And Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (7)
- 249 S Texas St, De Leon, TX 76444
- 240 S Texas St, De Leon, TX 76444
- 930 E Main St, Eastland, TX 76448
- 118 Early Blvd, Early, TX 76802
- 2653 W Washington St, Stephenville, TX 76401
- 500 E. Central Ave., Comanche, TX 76442
- 722 Broadway Avenue, Newcastle, TX 76372
Are deposits at Farmers And Merchants Bank insured?
Yes. Farmers And Merchants Bank is an FDIC-insured bank (FDIC certificate #3170). 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 And Merchants Bank: frequently asked questions
Is Farmers And Merchants Bank a good bank?
Farmers And 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 (13.1% capital ratio); Strongly profitable (ROA 1.45%).
Is Farmers And Merchants Bank FDIC-insured?
Yes. Farmers And Merchants Bank is a FDIC-insured bank (FDIC certificate #3170). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers And Merchants Bank?
Farmers And Merchants Bank holds $256 million in total assets, ranking 106th of 349 banks we track in Texas. It operates 7 branches.
Does Farmers And Merchants Bank have CFPB complaints?
No CFPB complaints against Farmers And 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.
