BanksFARMERS AND MERCHANTS STATE BANK, THE

FARMERS AND MERCHANTS STATE BANK, THE

SCOTLAND, SDMicroEst. March 6, 1934, midnightFDIC #13999RSSD #425050FDIC
Latest · 2025-12-31

FARMERS AND MERCHANTS STATE BANK, THE is an 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 4.11%. CET1 capital ratio: 10.20%, well above regulatory minimums. NPL ratio: 0.42% · Texas Ratio: 1.54%. Operates 1 domestic branch.

Assets
$34M
Deposits
$31M
Loans
$14M
Equity
$3M

Profitability

Return on Assets (ROA)0.94%
Return on Equity (ROE)9.32%
Net Interest Margin4.11%
Yield on Assets5.14%
Cost of Funds1.15%

Asset Quality

NPL Ratio0.42%
Net Charge-Off Ratio-0.03%
Texas Ratio1.54%
NPA Ratio0.17%
ACL / Loans1.58%

Capital & Liquidity

CET1 Ratio10.20%
Tier 1 Capital10.20%
Total Capital Ratio10.71%
Leverage Ratio12.14%
Loan-to-Deposit44.72%

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