Farmers & Merchants Bank is a bank based in Timberville, Virginia, established in 1908, with $1.4 billion in total assets across 15 branches. By Trust Grade it ranks 53rd of 56 banks we track in Virginia. Its capital ratio of 7.8% trails most similarly sized banks (8th percentile), versus a Virginia median of 10.8%. It was profitable over the most recent period, with a 0.94% 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 Virginia peers
How we graded Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (7.8% capital ratio)
- Profitable (ROA 0.94%)
- 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 (15)
- 127 Rockingham Street, Elkton, VA 22827
- 126 N Timber Way, Broadway, VA 22815
- 100 Plaza Dr, Bridgewater, VA 22812
- 161 S Main St, Woodstock, VA 22664
- 2701 W Main St, Waynesboro, VA 22980
- 2030 Legacy Ln, Harrisonburg, VA 22801
- 80 Cross Keys Rd, Harrisonburg, VA 22801
- 165 New Market Rd, Timberville, VA 22853
- 2813 N Augusta St, Staunton, VA 24401
- 30 Gosnell Xing, Staunton, VA 24401
- 320 Stoney Creek Blvd, Edinburg, VA 22824
- 2782 Stuarts Draft Hwy, Stuarts Draft, VA 24477
- 45 E Boscawen St, Winchester, VA 22601
- 3 S Cameron St, Winchester, VA 22601
- 1738 Amherst St, Winchester, VA 22601
Are deposits at Farmers & Merchants Bank insured?
Yes. Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #8668). 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 B (89/100, "Strong"), based on a financial-strength score of 89/100 (it has no CFPB complaints on record). Well-capitalized (7.8% capital ratio); Profitable (ROA 0.94%).
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #8668). 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 $1.4 billion in total assets, ranking 53rd of 56 banks we track in Virginia. It operates 15 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.
