MERCHANTS STATE BANK is asn small FDIC-insured commercial bank headquartered in FREEMAN, SD, established in Aug. 8, 1899, midnight. As of 2025-12-31, the bank reported total assets of $222M and total deposits of $181M. Profitability stands at 1.26% ROA and 8.35% ROE, with a net interest margin of 4.45%. The bank's CET1 capital ratio is 14.97%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.33% and a Texas Ratio of 1.45%. FDIC Certificate #1125.
Assets
$222M
Deposits
$181M
Loans
$149M
Equity
$33M
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