Farmers & Merchants Bank
Timberville, VA · Owner: F & M Bank Corp
$1.4B
total assets, June 30, 2026
$1.4B
total assets, June 30, 2026
Farmers & Merchants Bank is a state member bank based in Timberville, VA, owned by F & M Bank Corp. As of June 30, 2026 it held $1.4 billion in assets and $1.3 billion in deposits; assets were up 6.5% from a year before. It has 16 branches.
Updated Oct 11, 2026 · numbers as of June 30, 2026
Total assets
$1.4B
+6.5% in a year · -0.8% in a quarter
Deposits
$1.3B
+5.3% in a year · -1.3% in a quarter
Loans
$928M
+9.0% in a year · +3.0% in a quarter
Profit so far
$8.6M
Jan 1 to Jun 30, 2026 · +64.7% in a year
Capital ratio
9.10%
+0.42 pts in a year
Return on assets
1.24%
+0.44 pts in a year
Facts
- Type
- State member bank
- Head office
- 165 New Market Rd, Timberville, VA, 22853
- County
- Rockingham
- Holding company
- F & M Bank Corp
- Established
- Jan 1, 1908
- Employees
- 184
- Branches
- 16
- Website
- www.fmbankva.com
- Id
- b8668
Quarter by quarter
March 31, 1984 to June 30, 2026
Assets, deposits and loans
Each quarter end, US dollars
Profit by quarter
Net income of each quarter, the last 12
Ratios
Percent. Return on assets and net interest margin are yearly rates.
Branches
16 offices as of June 30, 2026, holding $1.3 billion in deposits
Branch map
Every branch, sized by its deposits
| State | Branches | Deposits | Share |
|---|---|---|---|
| Virginia | 16 | $1.3B | 100.0% |
| Largest branches | Place | Deposits |
|---|---|---|
| Bridgewater Branch | Bridgewater, VA | $200M |
| Farmers & Merchants Bank (main office) | Timberville, VA | $183M |
| Crossroads Branch | Harrisonburg, VA | $156M |
| Elkton Branch | Elkton, VA | $136M |
| Broadway Branch | Broadway, VA | $135M |
| Legacy Branch | Harrisonburg, VA | $109M |
| Edinburg Branch | Edinburg, VA | $95.8M |
| Woodstock Branch | Woodstock, VA | $78.9M |
| North Augusta Branch | Staunton, VA | $50.5M |
| Myers Corner Branch | Staunton, VA | $35.2M |
Related pages
Questions and answers
How big is Farmers & Merchants Bank?
$1.4 billion in total assets and $1.3 billion in deposits as of June 30, 2026, with assets up 6.5% from a year before. Its loans were $927.9 million.
How many branches does Farmers & Merchants Bank have?
16 branches in Virginia as of June 30, 2026.
Is Farmers & Merchants Bank profitable?
Yes: it earned $8.64 million from January 1 to June 30, 2026 (up 64.7% from the same months a year before). Its return on assets was 1.24% a year; about 1% is typical.
Who owns Farmers & Merchants Bank?
Farmers & Merchants Bank is owned by F & M Bank Corp, its holding company.
Official public data from the reports every insured bank files each quarter. Profit so far runs from January 1 to the quarter end. Branch deposits are counted once a year, as of June 30. New quarters appear about two months after the quarter ends.