FARMERS AND MERCHANTS STATE BANK

LANGDON, ND | Small | Est. Aug. 12, 1974, midnight | FDIC #21728 | RSSD #677756 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS STATE BANK is asn small FDIC-insured commercial bank headquartered in LANGDON, ND, established in Aug. 12, 1974, midnight. As of 2025-12-31, the bank reported total assets of $150M and total deposits of $108M. Profitability stands at 1.41% ROA and 10.28% ROE, with a net interest margin of 3.42%. The bank's CET1 capital ratio is 13.79%, 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 #21728.

Assets

$150M

Deposits

$108M

Loans

$82M

Equity

$21M

Profitability

Return on Assets (ROA) 1.41%
Return on Equity (ROE) 10.28%
Net Interest Margin (NIM) 3.42%
Yield on Assets 5.56%
Cost of Funds 2.30%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.15%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 13.79%
Tier 1 Capital 13.79%
Total Capital Ratio 14.48%
Leverage Ratio 14.72%
Loan-to-Deposit 76.12%

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