FIRST FARMERS & MERCHANTS NATIONAL BANK

LUVERNE, MN | Small | Est. Jan. 1, 1931, midnight | FDIC #5186 | RSSD #917854 | OCC
Latest Report: 2025-12-31

FIRST FARMERS & MERCHANTS NATIONAL BANK is asn small FDIC-insured commercial bank headquartered in LUVERNE, MN, established in Jan. 1, 1931, midnight. As of 2025-12-31, the bank reported total assets of $244M and total deposits of $215M. Profitability stands at 1.36% ROA and 13.61% ROE, with a net interest margin of 4.29%. The bank's CET1 capital ratio is 13.90%, 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 #5186.

Assets

$244M

Deposits

$215M

Loans

$180M

Equity

$25M

Profitability

Return on Assets (ROA) 1.36%
Return on Equity (ROE) 13.61%
Net Interest Margin (NIM) 4.29%
Yield on Assets 5.94%
Cost of Funds 1.71%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio 0.00%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 1.10%

Capital & Liquidity

CET1 Ratio 13.90%
Tier 1 Capital 13.90%
Total Capital Ratio 14.91%
Leverage Ratio 11.00%
Loan-to-Deposit 83.76%

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