FARMERS & MERCHANTS BANK OF NORTH DAKOTA

TOLNA, ND | Small | Est. Aug. 1, 1917, midnight | FDIC #8640 | RSSD #954158 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK OF NORTH DAKOTA is asn small FDIC-insured commercial bank headquartered in TOLNA, ND, established in Aug. 1, 1917, midnight. As of 2025-12-31, the bank reported total assets of $119M and total deposits of $106M. Profitability stands at 0.92% ROA and 8.66% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 19.90%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.48% and a Texas Ratio of 1.98%. FDIC Certificate #8640.

Assets

$119M

Deposits

$106M

Loans

$54M

Equity

$13M

Profitability

Return on Assets (ROA) 0.92%
Return on Equity (ROE) 8.66%
Net Interest Margin (NIM) 3.46%
Yield on Assets 5.07%
Cost of Funds 1.67%

Asset Quality

NPL Ratio 0.48%
Net Charge-Off Ratio -0.03%
Texas Ratio 1.98%
NPA Ratio 0.22%
ACL / Loans 0.88%

Capital & Liquidity

CET1 Ratio 19.90%
Tier 1 Capital 19.90%
Total Capital Ratio 20.58%
Leverage Ratio 11.68%
Loan-to-Deposit 51.08%

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