FARMERS & MERCHANTS BANK & TRUST

BURLINGTON, IA | Small | Est. Jan. 1, 1916, midnight | FDIC #13737 | RSSD #888141 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in BURLINGTON, IA, established in Jan. 1, 1916, midnight. As of 2025-12-31, the bank reported total assets of $213M and total deposits of $181M. Profitability stands at 0.72% ROA and 9.36% ROE, with a net interest margin of 3.44%. The bank's CET1 capital ratio is 16.75%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.96% and a Texas Ratio of 6.54%. FDIC Certificate #13737.

Assets

$213M

Deposits

$181M

Loans

$126M

Equity

$17M

Profitability

Return on Assets (ROA) 0.72%
Return on Equity (ROE) 9.36%
Net Interest Margin (NIM) 3.44%
Yield on Assets 4.24%
Cost of Funds 0.81%

Asset Quality

NPL Ratio 0.96%
Net Charge-Off Ratio 0.06%
Texas Ratio 6.54%
NPA Ratio 0.57%
ACL / Loans 1.45%

Capital & Liquidity

CET1 Ratio 16.75%
Tier 1 Capital 16.75%
Total Capital Ratio 18.01%
Leverage Ratio 10.19%
Loan-to-Deposit 69.70%

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