BanksFARMERS AND MERCHANTS STATE BANK

FARMERS AND MERCHANTS STATE BANK

PLANKINTON, SDSmallEst. April 6, 1910, midnightFDIC #501RSSD #601153FDIC
Latest · 2025-12-31

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.

Assets
$182M
Deposits
$153M
Loans
$144M
Equity
$17M

Profitability

Return on Assets (ROA)2.18%
Return on Equity (ROE)21.25%
Net Interest Margin5.14%
Yield on Assets7.39%
Cost of Funds2.33%

Asset Quality

NPL Ratio0.39%
Net Charge-Off Ratio0.03%
Texas Ratio2.93%
NPA Ratio0.31%
ACL / Loans1.19%

Capital & Liquidity

CET1 Ratio11.30%
Tier 1 Capital11.30%
Total Capital Ratio12.44%
Leverage Ratio10.48%
Loan-to-Deposit94.19%

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