BanksFARMERS AND MERCHANTS STATE BANK OF ALPHA

FARMERS AND MERCHANTS STATE BANK OF ALPHA

ALPHA, MNMicroEst. Aug. 1, 1911, midnightFDIC #10571RSSD #388753FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS STATE BANK OF ALPHA is an FDIC-insured commercial bank headquartered in ALPHA, MN, established in Aug. 1, 1911, midnight. As of 2025-12-31, the bank reported total assets of $48M and total deposits of $42M. Profitability stands at 0.26% ROA and 2.31% ROE, with a net interest margin of 3.90%. CET1 capital ratio: 15.77%, well above regulatory minimums. NPL ratio: 0.15% · Texas Ratio: 0.81%. Operates 1 domestic branch.

Assets
$48M
Deposits
$42M
Loans
$31M
Equity
$5M

Profitability

Return on Assets (ROA)0.26%
Return on Equity (ROE)2.31%
Net Interest Margin3.90%
Yield on Assets6.19%
Cost of Funds2.39%

Asset Quality

NPL Ratio0.15%
Net Charge-Off Ratio0.09%
Texas Ratio0.81%
NPA Ratio0.09%
ACL / Loans1.09%

Capital & Liquidity

CET1 Ratio15.77%
Tier 1 Capital15.77%
Total Capital Ratio16.79%
Leverage Ratio11.12%
Loan-to-Deposit74.28%

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