BanksFARMERS AND MERCHANTS STATE BANK OF APPLETON

FARMERS AND MERCHANTS STATE BANK OF APPLETON

APPLETON, MNMicroEst. Feb. 20, 1915, midnightFDIC #8845RSSD #269759FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS STATE BANK OF APPLETON is an FDIC-insured commercial bank headquartered in APPLETON, MN, established in Feb. 20, 1915, midnight. As of 2025-12-31, the bank reported total assets of $60M and total deposits of $51M. Profitability stands at 3.99% ROA and 29.93% ROE, with a net interest margin of 5.20%. CET1 capital ratio: 13.58%, well above regulatory minimums. NPL ratio: 1.31% · Texas Ratio: 7.24%. Operates 1 domestic branch.

Assets
$60M
Deposits
$51M
Loans
$52M
Equity
$8M

Profitability

Return on Assets (ROA)3.99%
Return on Equity (ROE)29.93%
Net Interest Margin5.20%
Yield on Assets6.57%
Cost of Funds1.47%

Asset Quality

NPL Ratio1.31%
Net Charge-Off Ratio0.01%
Texas Ratio7.24%
NPA Ratio1.13%
ACL / Loans2.31%

Capital & Liquidity

CET1 Ratio13.58%
Tier 1 Capital13.58%
Total Capital Ratio14.26%
Leverage Ratio13.60%
Loan-to-Deposit101.43%

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