MECHANICS&FARMERS BANK
DURHAM, NORTH CAROLINA · FDIC Cert #12266
Capital & Safety Analysis
According to FDIC financial data, MECHANICS&FARMERS BANK holds a Tier 1 capital ratio of 24.56%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning MECHANICS&FARMERS BANK has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
MECHANICS&FARMERS BANK shows strong financial health indicators. With $451M in assets and a Health Score of 94/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
MECHANICS&FARMERS BANK has a Bank Health Score of A (94/100). It holds a Tier 1 capital ratio of 24.56%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
MECHANICS&FARMERS BANK holds $451M in total assets and $384M in total deposits. It is located in DURHAM, NORTH CAROLINA (FDIC Certificate #12266).
MECHANICS&FARMERS BANK has a Tier 1 capital ratio of 24.56%, classifying it as "Well-Capitalized." The nonperforming loan ratio is 0.40%, and the return on assets is 1.03%.
Yes. MECHANICS&FARMERS BANK is FDIC-insured (Certificate #12266). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.