Farmers and Merchants State Bank of Pierz: 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 Return on equity: 11.85 percentage points higher than in Q1 2026, at 31.02%. Farmers and Merchants State Bank of Pierz ranks 25th of 221 Minnesota banks on return on assets, in the upper half at 2.10% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers and Merchants State Bank of Pierz reported 2.10% on return on assets in Q2 2026, 0.85 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.28% |
| Equity capital to assets | 6.99% |
| Tangible equity to tangible assets | 6.93% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.55% |
| Non-performing assets ratio | 1.68% |
| Net charge-off ratio | 0.37% |
| Texas ratio | 21.53% |
| Allowance for credit losses to loans | 1.32% |
| Reserve coverage of non-performing loans | 51.72% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 2.10% |
| Return on equity | 31.02% |
| Net interest margin | 4.87% |
| Efficiency ratio | 55.73% |
| Yield on earning assets | 6.09% |
| Cost of funds | 1.31% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 71.69% |
| Core deposits to total deposits | 94.71% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.74% |
| Securities to assets | 27.16% |
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 | 10.02% | 1.55% | 3.98% | 2.40% | -0.02% |
| Q4 2023 | 10.15% | 1.21% | 4.04% | 2.26% | 0.12% |
| Q1 2024 | 10.36% | 1.26% | 3.96% | 2.19% | -0.01% |
| Q2 2024 | 10.48% | 1.55% | 4.03% | 0.02% | -0.01% |
| Q3 2024 | 9.86% | 1.60% | 3.98% | 0.02% | -0.01% |
| Q4 2024 | 9.83% | 1.85% | 4.10% | 0.01% | -0.01% |
| Q1 2025 | 9.81% | 0.54% | 4.19% | 1.15% | 0.00% |
| Q2 2025 | 10.15% | 2.06% | 4.36% | 2.44% | 0.00% |
| Q3 2025 | 9.75% | 1.02% | 4.57% | 2.67% | -0.01% |
| Q4 2025 | 9.93% | 1.94% | 4.70% | 2.96% | 0.00% |
| Q1 2026 | 8.97% | 1.37% | 4.67% | 2.75% | 1.00% |
| Q2 2026 | 9.28% | 2.10% | 4.87% | 2.55% | 0.37% |
Farmers and Merchants State Bank of Pierz 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 Pierz, 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 Pierz profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10165) · FFIEC NIC profile (RSSD 728957)