Farmers and Merchants Bank of South Carolina

Farmers and Merchants Bank of South Carolina is a currently active other specialized under 1 billion banking institution headquartered in Holly Hill, South Carolina. Established in 01/03/1912, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers and Merchants Bank of South Carolina manages $476.2M in total assets and holds $414.3M in customer deposits. When evaluating the stability of Farmers and Merchants Bank of South Carolina, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 12.76%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 2.02%, while its Return on Equity (ROE) sits at 16.36%. These robust metrics contribute to an overall health score of 10.0 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.