FARMERS AND MERCHANTS STATE BANK, THE

FARMERS AND MERCHANTS STATE BANK, THE is amn micro FDIC-insured commercial bank headquartered in SCOTLAND, SD, established in March 6, 1934, midnight. As of 2025-12-31, the bank reported total assets of $34M and total deposits of $31M. Profitability stands at 0.94% ROA and 9.32% ROE, with a net interest margin of 4.47%. The bank's CET1 capital ratio is 10.20%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.42% and a Texas Ratio of 1.54%. FDIC Certificate #13999.