FIRST FARMERS & MERCHANTS BANK

CANNON FALLS, MN | Small | Est. June 21, 1915, midnight | FDIC #10168 | RSSD #217059 | FDIC
Latest Report: 2025-12-31

FIRST FARMERS & MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in CANNON FALLS, MN, established in June 21, 1915, midnight. As of 2025-12-31, the bank reported total assets of $490M and total deposits of $442M. Profitability stands at 1.10% ROA and 12.72% ROE, with a net interest margin of 4.21%. The bank's CET1 capital ratio is 13.60%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.01% and a Texas Ratio of 0.05%. FDIC Certificate #10168.

Assets

$490M

Deposits

$442M

Loans

$294M

Equity

$42M

Profitability

Return on Assets (ROA) 1.10%
Return on Equity (ROE) 12.72%
Net Interest Margin (NIM) 4.21%
Yield on Assets 5.52%
Cost of Funds 1.33%

Asset Quality

NPL Ratio 0.01%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.05%
NPA Ratio 0.00%
ACL / Loans 1.00%

Capital & Liquidity

CET1 Ratio 13.60%
Tier 1 Capital 13.60%
Total Capital Ratio 14.51%
Leverage Ratio 9.44%
Loan-to-Deposit 66.51%

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