Farmers & Merchants Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Farmers & Merchants Bank is an independent community bank. The bank was chartered on April 15, 1908, as a state chartered bank in Timberville, VA and is the oldest banking business native to Rockingham County, VA.

Farmers & Merchants Bank serves the Shenandoah Valley with nine conveniently located full-service branches, a network of ATM’s, and a wide variety of financial services including banking, investments, and insurance products. Both individuals and businesses find that our professional staff and up to date equipment provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can.

Farmers & Merchants Bank has grown over the years to over $400 million in assets, and boasts 135 full and part-time employees. Our conservative approach to finances and sound investments, along with excellent customer service, has made us profitable and paves the way for a bright future.

Farmers & Merchants Bank has full-service branches throughout Rockingham, Page and Shenandoah Counties.

205 S. Main St.
P.O. Box 1111
Timberville, VA 22853
Phone: (540) 896-8941
Fax: (540) 896-2840

Branch hours
Monday - Thursday 8:30 - 5:00
Friday 8:30 - 5:30
Saturday 8:30 - 12