FARMERS & MERCHANTS SAVINGS BANK

MANCHESTER, IA | Medium | Est. July 20, 1925, midnight | FDIC #9298 | RSSD #863746 | FED
Latest Report: 2025-12-31

FARMERS & MERCHANTS SAVINGS BANK is amn medium FDIC-insured commercial bank headquartered in MANCHESTER, IA, established in July 20, 1925, midnight. As of 2025-12-31, the bank reported total assets of $594M and total deposits of $514M. Profitability stands at 1.06% ROA and 8.58% ROE, with a net interest margin of 4.64%. The bank's CET1 capital ratio is 14.04%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.32% and a Texas Ratio of 1.65%. FDIC Certificate #9298.

Assets

$594M

Deposits

$514M

Loans

$435M

Equity

$76M

Profitability

Return on Assets (ROA) 1.06%
Return on Equity (ROE) 8.58%
Net Interest Margin (NIM) 4.64%
Yield on Assets 6.12%
Cost of Funds 1.57%

Asset Quality

NPL Ratio 0.32%
Net Charge-Off Ratio 1.23%
Texas Ratio 1.65%
NPA Ratio 0.23%
ACL / Loans 1.57%

Capital & Liquidity

CET1 Ratio 14.04%
Tier 1 Capital 14.04%
Total Capital Ratio 15.29%
Leverage Ratio 12.73%
Loan-to-Deposit 84.59%

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