Bank Safety Analysis
Is Farmers and Merchants State Bank of Pierz Safe? Pierz, Minnesota
Based on its Q3 2026 call report, Farmers and Merchants State Bank of Pierz meets the community bank leverage ratio test for well capitalized, its Texas ratio is 10.87%, and its deposits are FDIC insured up to $250,000 per depositor.
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Short answer: is Farmers and Merchants State Bank of Pierz safe?
On its Q3 2026 call report, Farmers and Merchants State Bank of Pierz's Community Bank Leverage Ratio is 9.29%, above the 8% threshold that makes a community bank well capitalized.
- CET1 ratio (Q3 2026): not reported (community bank leverage ratio filer)
- Community Bank Leverage Ratio (Q3 2026): 9.29%
- Texas ratio (Q3 2026): 10.87%
- Noncurrent loans ratio (Q3 2026): 1.07%
Farmers and Merchants State Bank of Pierz is an FDIC-insured commercial bank (FDIC Certificate #10165). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Source: the FFIEC call report Farmers and Merchants State Bank of Pierz (FDIC Certificate #10165) filed for the quarter ended September 30, 2026. BankRegReports computes every ratio on this page from that filing.
Context: largest US bank failures.
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Farmers and Merchants State Bank of Pierz passes all 5 safety dimensions, with capital, asset quality, and stress buffers above the concern bands.
The standout move of Q3 2026 was in return on assets: 0.65 percentage points lower than in Q2 2026, at 1.46%. Within Minnesota, Farmers and Merchants State Bank of Pierz is 158th of 221 on leverage ratio, 9.29% as of Q3 2026. Farmers and Merchants State Bank of Pierz reported 9.29% on leverage ratio for Q3 2026, 1.79 points below the 11.09% median for banks in the $100M-1B asset tier.
From Q4 2023 to Q3 2026, Farmers and Merchants State Bank of Pierz's Texas ratio ranged between 0.41% (Q2 2024) and 10.87% (Q3 2026). Between Q3 2025 and Q3 2026, Farmers and Merchants State Bank of Pierz's nonperforming loan ratio (nonaccrual plus 90+ days past due) fell from 1.30% to 1.07%, Texas ratio rose from 10.10% to 10.87% and return on assets rose from 1.02% to 1.46%.
By total assets at Q3 2026, Farmers and Merchants State Bank of Pierz is the 81st largest of the 221 banks headquartered in Minnesota. Against the 2,730 banks with $100M to $1B in assets for Q3 2026, Farmers and Merchants State Bank of Pierz's community bank leverage ratio of 9.29% is below the 11.09% median, nonperforming loans ratio of 1.07% is above the 0.43% median, Texas ratio of 10.87% is above the 2.96% median, and efficiency ratio of 52.36% is below the 61.25% median.
Data as of · sourced from FFIEC call reports. How we update
An exploratory screening score that ranks relative failure risk across filers. It is not a calibrated probability, not a credit rating, and not a CAMELS rating.
Farmers and Merchants State Bank of Pierz's 12-month failure risk score is <0.01 out of 100, on the model's 1-year horizon. The score covers every FDIC-insured bank in the latest run, but the model was trained on community and regional banks and its accuracy above roughly $10 billion in assets is not established, so a low score is not evidence of safety. How the failure model was trained and tested.
How does Farmers and Merchants State Bank of Pierz score on capital, credit and costs?
Peer cohort: $100M to $1B (2,646 banks) · Industry averages as of Q3 2026.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 11.09%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 0.43%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 2.96%.
Median of the 2,730 banks with $100M to $1B in assets, Q3 2026: 61.25%.
Does Farmers and Merchants State Bank of Pierz trip any risk screens?
Latest filing (Q3 2026), passing screens included.
| Screen | Value | Result |
|---|---|---|
| CET1 capital ratio supervisory threshold | — | Not reported |
| Texas ratio BankRegReports band | 10.87% | Within range |
| Nonperforming loan ratio BankRegReports band | 1.07% | Within range |
| Uninsured deposit share BankRegReports band | — | Not reported |
| Loan-to-deposit ratio BankRegReports band | 75.52% | Within range |
| Commercial real estate to capital supervisory threshold | 68.92% | Within range |
| Held-to-maturity unrealized loss to equity BankRegReports band | 0.00% | Within range |
Texas Ratio: last 12 quarters
| Quarter | Texas Ratio (%) |
|---|---|
| Q3 2026 | 10.87% |
| Q2 2026 | 8.66% |
| Q1 2026 | 10.73% |
| Q4 2025 | 10.07% |
| Q3 2025 | 10.10% |
| Q2 2025 | 9.82% |
| Q1 2025 | 1.68% |
| Q4 2024 | 0.56% |
| Q3 2024 | 4.05% |
| Q2 2024 | 0.41% |
| Q1 2024 | 1.65% |
| Q4 2023 | 0.97% |
How have Farmers and Merchants State Bank of Pierz's safety ratios changed?
| Quarter end | Total assets | Leverage (CBLR) | NPL ratio | Texas ratio | Efficiency |
|---|---|---|---|---|---|
| Sep 30, 2026 | $339.9M | 9.29% | 1.07% | 10.87% | 52.36% |
| Jun 30, 2026 | $336.2M | 9.28% | 1.03% | 8.66% | 55.73% |
| Mar 31, 2026 | $331.0M | 8.97% | 1.23% | 10.73% | 59.41% |
| Dec 31, 2025 | $342.4M | 9.93% | 1.39% | 10.07% | 52.39% |
| Sep 30, 2025 | $335.0M | 9.75% | 1.30% | 10.10% | 52.36% |
| Jun 30, 2025 | $321.4M | 10.15% | 1.18% | 9.82% | 62.37% |
| Mar 31, 2025 | $320.6M | 9.81% | 0.17% | 1.68% | 60.33% |
| Dec 31, 2024 | $329.9M | 9.83% | 0.06% | 0.56% | 55.92% |
Banks with a similar risk profile
4 banks in the same asset tier with the same overall verdict.
Frequently asked
Is Farmers and Merchants State Bank of Pierz FDIC insured?
Yes. Farmers and Merchants State Bank of Pierz is an FDIC-insured commercial bank (FDIC Certificate #10165). FDIC insurance covers $250,000 per depositor, per insured bank, per ownership category.
Is Farmers and Merchants State Bank of Pierz well capitalized?
On its Q3 2026 call report, Farmers and Merchants State Bank of Pierz's Community Bank Leverage Ratio is 9.29%, above the 8% threshold that makes a community bank well capitalized. The threshold comes from Prompt Corrective Action, which its primary federal regulator, the FDIC, applies.
What are Farmers and Merchants State Bank of Pierz's key safety ratios?
For Q3 2026, Farmers and Merchants State Bank of Pierz reports leverage 9.29%, Texas ratio 10.87%, noncurrent loans 1.07%. Its Texas ratio compares with the 2.96% median for the 2,730 banks with $100M to $1B in assets.
What happens to my deposits if Farmers and Merchants State Bank of Pierz fails?
For Q3 2026, Farmers and Merchants State Bank of Pierz reported $311.4M in total deposits. If it failed, the FDIC would pay insured deposits up to $250,000 per depositor.
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Where does this data come from?
Not investment advice. See the full Farmers and Merchants State Bank of Pierz profile.
How we score this
Farmers and Merchants State Bank of Pierz elects the community bank leverage ratio, so it reports no risk-based capital ratios. Under Prompt Corrective Action (12 CFR 324.403) and that framework it is well capitalized above 8% from July 1, 2026 (9% before), with a grace band one point below. Banks that do not elect it are graded on the CET1 ratio and the Tier 1 and total capital ratios.
Every ratio Farmers and Merchants State Bank of Pierz is graded on is inside its pass band. Every ratio's definition, bands and risk screen.
Not a credit rating. Methodology.
Regulator records: FDIC BankFind (cert 10165) · FFIEC NIC profile (RSSD 728957)
Explore: Full Farmers and Merchants State Bank of Pierz profile · Other banks in MN · Metric glossary · How the call report works
Ratio definitions: loan to deposit ratio, net interest margin, efficiency ratio, CET1 ratio, tier 1 capital and PPNR.