FARMERS AND MERCHANTS STATE BANK is an 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%. CET1 capital ratio: 11.30%, well above regulatory minimums. NPL ratio: 0.39% · Texas Ratio: 2.93%. Operates 2 domestic branches.
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