FARMERS & MERCHANTS STATE BANK is asn small FDIC-insured commercial bank headquartered in WINTERSET, IA, established in Aug. 11, 1938, midnight. As of 2025-12-31, the bank reported total assets of $268M and total deposits of $238M. Profitability stands at 1.09% ROA and 11.06% ROE, with a net interest margin of 3.80%. The bank's CET1 capital ratio is 15.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #15610.
Assets
$268M
Deposits
$238M
Loans
$165M
Equity
$26M
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