FARMERS AND MERCHANTS STATE BANK

PLANKINTON, SD | Small | Est. April 6, 1910, midnight | FDIC #501 | RSSD #601153 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS STATE BANK is asn small FDIC-insured commercial bank headquartered in PLANKINTON, SD, established in April 6, 1910, midnight. As of 2025-12-31, the bank reported total assets of $182M and total deposits of $153M. Profitability stands at 2.18% ROA and 21.25% ROE, with a net interest margin of 5.14%. The bank's CET1 capital ratio is 11.30%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.39% and a Texas Ratio of 2.93%. FDIC Certificate #501.

Assets

$182M

Deposits

$153M

Loans

$144M

Equity

$17M

Profitability

Return on Assets (ROA) 2.18%
Return on Equity (ROE) 21.25%
Net Interest Margin (NIM) 5.14%
Yield on Assets 7.39%
Cost of Funds 2.33%

Asset Quality

NPL Ratio 0.39%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.93%
NPA Ratio 0.31%
ACL / Loans 1.19%

Capital & Liquidity

CET1 Ratio 11.30%
Tier 1 Capital 11.30%
Total Capital Ratio 12.44%
Leverage Ratio 10.48%
Loan-to-Deposit 94.19%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required