FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD

SPRINGFIELD, MN | Small | Est. Jan. 1, 1918, midnight | FDIC #13382 | RSSD #770451 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS STATE BANK OF SPRINGFIELD is asn small FDIC-insured commercial bank headquartered in SPRINGFIELD, MN, established in Jan. 1, 1918, midnight. As of 2025-12-31, the bank reported total assets of $141M and total deposits of $122M. Profitability stands at 1.50% ROA and 16.50% ROE, with a net interest margin of 4.58%. The bank's CET1 capital ratio is 15.31%, 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 #13382.

Assets

$141M

Deposits

$122M

Loans

$92M

Equity

$13M

Profitability

Return on Assets (ROA) 1.50%
Return on Equity (ROE) 16.50%
Net Interest Margin (NIM) 4.58%
Yield on Assets 5.95%
Cost of Funds 1.41%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.67%

Capital & Liquidity

CET1 Ratio 15.31%
Tier 1 Capital 15.31%
Total Capital Ratio 16.57%
Leverage Ratio 9.09%
Loan-to-Deposit 75.99%

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