BanksFIRST FARMERS & MERCHANTS STATE BANK

FIRST FARMERS & MERCHANTS STATE BANK

BROWNSDALE, MNMicroEst. Feb. 8, 1908, midnightFDIC #1600RSSD #276654FDIC
Latest · 2025-12-31

FIRST FARMERS & MERCHANTS STATE BANK is an FDIC-insured commercial bank headquartered in BROWNSDALE, MN, established in Feb. 8, 1908, midnight. As of 2025-12-31, the bank reported total assets of $94M and total deposits of $82M. Profitability stands at 0.05% ROA and 0.49% ROE, with a net interest margin of 4.48%. CET1 capital ratio: 12.52%, well above regulatory minimums. NPL ratio: 1.82% · Texas Ratio: 13.13%. Operates 2 domestic branches.

Assets
$94M
Deposits
$82M
Loans
$73M
Equity
$9M

Profitability

Return on Assets (ROA)0.05%
Return on Equity (ROE)0.49%
Net Interest Margin4.48%
Yield on Assets5.68%
Cost of Funds1.23%

Asset Quality

NPL Ratio1.82%
Net Charge-Off Ratio0.96%
Texas Ratio13.13%
NPA Ratio1.42%
ACL / Loans1.50%

Capital & Liquidity

CET1 Ratio12.52%
Tier 1 Capital12.52%
Total Capital Ratio13.77%
Leverage Ratio10.77%
Loan-to-Deposit89.76%

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