FARMERS AND MERCHANTS STATE BANK OF PIERZ

PIERZ, MN | Small | Est. Jan. 1, 1908, midnight | FDIC #10165 | RSSD #728957 | FDIC
Latest Report: 2025-12-31

FARMERS AND MERCHANTS STATE BANK OF PIERZ is asn small FDIC-insured commercial bank headquartered in PIERZ, MN, established in Jan. 1, 1908, midnight. As of 2025-12-31, the bank reported total assets of $342M and total deposits of $314M. Profitability stands at 1.95% ROA and 25.83% ROE, with a net interest margin of 4.96%. The bank's CET1 capital ratio is 7.69%. Asset quality metrics show a non-performing loan ratio of 1.39% and a Texas Ratio of 9.97%. FDIC Certificate #10165.

Assets

$342M

Deposits

$314M

Loans

$214M

Equity

$27M

Profitability

Return on Assets (ROA) 1.95%
Return on Equity (ROE) 25.83%
Net Interest Margin (NIM) 4.96%
Yield on Assets 6.45%
Cost of Funds 1.49%

Asset Quality

NPL Ratio 1.39%
Net Charge-Off Ratio 0.00%
Texas Ratio 9.97%
NPA Ratio 0.87%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 7.69%
Tier 1 Capital 7.69%
Total Capital Ratio 8.08%
Leverage Ratio 9.93%
Loan-to-Deposit 68.07%

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