$476M
+14.4%y/y
Percentile by value44th percentileby value
FDIC
ASSETFM
Farmers and Merchants Bank of South Carolina
Holly Hill, South CarolinaFDIC Cert #1660
STATEEstablished 19128 branches
Holding company: FMB OF S C BANCSHARES INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFarmers and Merchants Bank of South Carolina reported $476M in total assets. Deposits grew 13.95% over the prior year.
Return on assets was 2.02%, compared with an asset-peer median of 1.22%. The leverage ratio was 12.31%.
- Why is CRE Concentration to Capital above asset peers?
- Why is Efficiency Ratio below asset peers?
- Why is Return on Assets above asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$414M
+13.9%y/y
Percentile by value47th percentileby value
FDIC
DEP$123M
+1.7%y/y
Percentile by value2nd percentileby value
FDIC
LNLSNET2.02%
+28 bpsy/y
Peer standing88th percentile
FDIC
NETINC + ROA45.40%
−231 bpsy/y
Peer standing90th percentile
FDIC
NONIX + NIM + NONII + EEFFR12.31%
−81 bpsy/y
Peer standing74th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $372M | $324M |
| Q3 2021 | $384M | $335M |
| Q4 2021 | $494M | $446M |
| Q1 2022 | $458M | $417M |
| Q2 2022 | $398M | $363M |
| Q3 2022 | $408M | $377M |
| Q4 2022 | $507M | $474M |
| Q1 2023 | $495M | $458M |
| Q2 2023 | $394M | $357M |
| Q3 2023 | $386M | $350M |
| Q4 2023 | $468M | $426M |
| Q1 2024 | $377M | $334M |
| Q2 2024 | $392M | $347M |
| Q3 2024 | $389M | $337M |
| Q4 2024 | $541M | $493M |
| Q1 2025 | $416M | $364M |
| Q2 2025 | $410M | $355M |
| Q3 2025 | $390M | $331M |
| Q4 2025 | $495M | $435M |
| Q1 2026 | $476M | $414M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $21M |
| Investor CRE | $23.5M |
| Multifamily | $145K |
| Construction | $38.9M |
| 1–4 family | $26.3M |
| C&I | $5.62M |
| Agriculture | $3.04M |
| Other | $6.06M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.02%88th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE16.36%74th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.34%77th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.40%90th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+13.95%90th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET+1.74%27th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%37th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ12.31%74th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.39%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%23rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.02%98th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.26%Median 1.10%90th 1.67%Observations 44
ROE
FDIC
NETINC + ROE16.36%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 1.31%Median 10.54%90th 16.58%Observations 44
NIM
FDIC
NIM + NIMY4.34%84th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.89%Median 3.64%90th 4.43%Observations 44
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.40%95th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.49%Median 63.35%90th 89.42%Observations 44
Deposits YoY
FDIC
DEP+13.95%91st percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.16%Median +4.25%90th +13.78%Observations 44
Loans YoY
FDIC
LNLSNET+1.74%23rd percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −0.29%Median +6.51%90th +13.42%Observations 44
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%21st percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.25%90th 0.87%Observations 44
Leverage
FDIC
RBC1AAJ12.31%67th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.98%Median 10.54%90th 15.70%Observations 44
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.39%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.20%Median 2.16%90th 3.26%Observations 44
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%23rd percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 67%Median 148%90th 269%Observations 32
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA2.02%94th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.63%Median 1.40%90th 1.82%Observations 17
ROE
FDIC
NETINC + ROE16.36%88th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 5.81%Median 13.38%90th 19.32%Observations 17
NIM
FDIC
NIM + NIMY4.34%81st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.94%Median 3.80%90th 4.43%Observations 17
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR45.40%88th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 45.18%Median 61.94%90th 75.72%Observations 17
Deposits YoY
FDIC
DEP+13.95%94th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.10%Median +4.28%90th +13.61%Observations 17
Loans YoY
FDIC
LNLSNET+1.74%31st percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th +0.72%Median +4.66%90th +17.42%Observations 17
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR0.69%25th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.28%90th 2.01%Observations 17
Leverage
FDIC
RBC1AAJ12.31%56th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.53%Median 12.25%90th 13.80%Observations 17
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM0.39%100th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.07%Median 1.40%90th 3.34%Observations 17
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBC86%27th percentileby valueToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 82%Median 114%90th 242%Observations 12
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 8 branches
- Headquarters
- Holly Hill, SC
FDIC
OFFDOMOpen the South Carolina dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data