FM BANK

WASECA, MN | Medium | Est. Jan. 1, 1878, midnight | FDIC #10998 | RSSD #20857 | FDIC
Latest Report: 2025-12-31

FM BANK is amn medium FDIC-insured commercial bank headquartered in WASECA, MN, established in Jan. 1, 1878, midnight. As of 2025-12-31, the bank reported total assets of $705M and total deposits of $621M. Profitability stands at 0.90% ROA and 11.85% ROE, with a net interest margin of 3.42%. The bank's CET1 capital ratio is 10.80%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.02% and a Texas Ratio of 1.72%. FDIC Certificate #10998.

Assets

$705M

Deposits

$621M

Loans

$468M

Equity

$55M

Profitability

Return on Assets (ROA) 0.90%
Return on Equity (ROE) 11.85%
Net Interest Margin (NIM) 3.42%
Yield on Assets 5.48%
Cost of Funds 2.13%

Asset Quality

NPL Ratio 0.02%
Net Charge-Off Ratio 0.00%
Texas Ratio 1.72%
NPA Ratio 0.14%
ACL / Loans 0.53%

Capital & Liquidity

CET1 Ratio 10.80%
Tier 1 Capital 10.80%
Total Capital Ratio 11.32%
Leverage Ratio 7.87%
Loan-to-Deposit 75.40%

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