FARMERS & MERCHANTS SAVINGS BANK

IOWA CITY, IA | Small | Est. Sept. 25, 1901, midnight | FDIC #10492 | RSSD #673244 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS SAVINGS BANK is asn small FDIC-insured commercial bank headquartered in IOWA CITY, IA, established in Sept. 25, 1901, midnight. As of 2025-12-31, the bank reported total assets of $123M and total deposits of $102M. Profitability stands at 0.98% ROA and 7.03% ROE, with a net interest margin of 3.40%. The bank's CET1 capital ratio is 11.67%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #10492.

Assets

$123M

Deposits

$102M

Loans

$79M

Equity

$17M

Profitability

Return on Assets (ROA) 0.98%
Return on Equity (ROE) 7.03%
Net Interest Margin (NIM) 3.40%
Yield on Assets 5.12%
Cost of Funds 1.85%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.01%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.30%

Capital & Liquidity

CET1 Ratio 11.67%
Tier 1 Capital 11.67%
Total Capital Ratio 12.26%
Leverage Ratio 13.61%
Loan-to-Deposit 77.85%

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