Farmers and Merchants State Bank of Alpha: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
The standout move of Q2 2026 was in Securities to assets: 1.50 percentage points higher than in Q1 2026, at 11.70%. Farmers and Merchants State Bank of Alpha ranks 194th of 221 Minnesota banks on return on assets, in the lower half at 0.72% (Q2 2026). Farmers and Merchants State Bank of Alpha reported 0.72% on return on assets for Q2 2026, 0.27 points below the 0.98% median for banks in the < $100M asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.15% |
| Equity capital to assets | 11.11% |
| Tangible equity to tangible assets | 11.11% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.15% |
| Non-performing assets ratio | 0.10% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 22.57% |
| Allowance for credit losses to loans | 1.10% |
| Reserve coverage of non-performing loans | 728.26% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 0.72% |
| Return on equity | 6.50% |
| Net interest margin | 3.47% |
| Efficiency ratio | 71.27% |
| Yield on earning assets | 5.52% |
| Cost of funds | 2.16% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 74.06% |
| Core deposits to total deposits | 92.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.87% |
| Securities to assets | 11.70% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 12.11% | 0.72% | 3.41% | 0.84% | 0.00% |
| Q4 2023 | 12.00% | 0.58% | 3.27% | 0.85% | 0.03% |
| Q1 2024 | 11.24% | 0.71% | 3.30% | 0.89% | 0.13% |
| Q2 2024 | 11.68% | 0.50% | 3.18% | 1.60% | -0.61% |
| Q3 2024 | 11.52% | 0.58% | 3.08% | 2.45% | -0.08% |
| Q4 2024 | 11.58% | -1.04% | 3.44% | 0.85% | 3.76% |
| Q1 2025 | 11.52% | 0.70% | 3.56% | 0.00% | 0.03% |
| Q2 2025 | 11.46% | 0.32% | 3.59% | 0.00% | 0.32% |
| Q3 2025 | 11.61% | 0.52% | 3.65% | 0.00% | 0.00% |
| Q4 2025 | 11.12% | 0.26% | 3.63% | 0.15% | 0.03% |
| Q1 2026 | 10.71% | 0.53% | 3.62% | 0.15% | 0.03% |
| Q2 2026 | 11.15% | 0.72% | 3.47% | 0.15% | 0.00% |
Farmers and Merchants State Bank of Alpha vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants State Bank of Alpha, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants State Bank of Alpha profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10571) · FFIEC NIC profile (RSSD 388753)