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The Farmers and Merchants State Bank Locations & Branches Scotland, South Dakota
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The Farmers and Merchants State Bank operates 1 branch from its headquarters in Scotland, SD, . Its main office is at 550 Main St, Scotland, SD 57059.
The Farmers and Merchants State Bank branch network
Its one office is in Scotland, SOUTH DAKOTA. It had the same number of branches on June 30, 2025.
The Farmers and Merchants State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.89% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $36.0M
- Tier 1 leverage ratio, Q2 2026
- 11.89%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1934
Full financial profile · Is The Farmers and Merchants State Bank safe? · The Farmers and Merchants State Bank Q3 2026 call report, filed October 28, 2026 (preliminary) · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Scotland, SD (1 branch) | 1 of 1 | 100.0% | $32.4M |
| State: SD (1 branch) | 72 of 82 | <0.1% | $32.4M |
Ranked by total assets among banks headquartered in the state: Largest banks in South Dakota.
Share by county and metro area
The Farmers and Merchants State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Bon Homme, SD (1 branch) | 3 of 5 | 13.6% | $32.4M | $237.5M |
Metro area share: not on file. None of this bank's branches sit in a metropolitan or micropolitan area in the FDIC branch directory.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers and Merchants State Bank | Scotland, SD | 57059 | $32.4M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13999) · FFIEC NIC profile (RSSD 425050)