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The Community Reinvestment Act (CRA) of 1977 encourages banks to help meet the credit needs of the communities in which they do business, including low- and moderate-income neighborhoods.

The information below is current as of April 1 of each year. If you are interested in learning more or have any questions, please contact us. We are happy to assist you.

Public comments received for the current year and the prior two calendar years as of April 1, 2024. Farmers & Merchants Bank may, at its discretion, periodically update this to include public comments received after the annual April 1 update. As of April 1, 2024, there are no public comments.


CRA Performance Evaluation 


Branch Locations and Hours of Operations

List of branch locations and hours of operation as of April 1, 2024 


Assessment Areas

The following assessment area represents the communities Farmers & Merchants Bank serves. A map and census tract information can be accessed by clicking the link below:

Assessment Area Census Tract List 



Products & Services

Personal Products & Services 

Business Products & Services 

Fee Schedule 

Loan to Deposit Ratio 


Home Mortgage Disclosure Act Notice (HMDA):

The HMDA data about residential mortgage lending is available online for review. The data show geographic distribution of loans and applications; ethnicity, race, sex, age, and income of applicants and borrowers; and information about loan approvals and denials. HMDA data for many other financial institutions are also available online. For more information, visit the Consumer Financial Protection Bureau’s website ( or the Federal Financial Institutions Examination Council website ( Farmers & Merchants Bank is not currently required to report HMDA data.


CRA Public File Requests

Farmers & Merchants Bank can provide hard copies of the CRA Public File upon request. Please note, we may charge a fee to cover copying and mailing expenses. Requests can be sent to [email protected]

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