Farmers & Merchants Bank of North Dakota
Farmers & Merchants Bank of North Dakota is an FDIC-insured commercial bank, in the early years of the Federal Reserve System. As of Q1 2026, the bank held approximately $124M in total assets and $111M in deposits. Profitability runs below industry average — 0.61% ROA, 6.13% ROE, with NIM at 3.13%. Capital is comfortably above regulatory minimums — CET1 ratio of 19.17% sits well above the 7% well-capitalized threshold. Credit conditions bear watching: 2.16% NPL ratio with a 8.79% Texas Ratio (elevated but below the 100% concern level). It operates 3 branches, primarily in North Dakota.
Headquarters Profile
- Address
- 101 Main St N, TOLNA, ND 58380
- County
- Nelson
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- Fed District
- 11
- Established
- August 1, 1917
- Branches
- 3 domestic
- Employees (FTE)
- 18
- FDIC Cert
- 8640
- Fed RSSD
- 954158
- Website
- http://www.fmbnd.com →
- Parent Holding Company
- TOLNA BANCORP, INC. (RSSD 1135039)
Capital & Liquidity
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Farmers & Merchants Bank of North Dakota rankings
How this bank ranks against the full population of US commercial banks in each leaderboard. Click any rank to see the full ranked list.
Quarterly trend — last 6 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
Branch Network
Every branch from the FDIC Summary of Deposits — mapped, and listed with the deposits booked at each location.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Loading branches… | |||
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
- Structure ChangeCharter Discontinued (Merger or Purchase & Assumption)FFIEC NIC
- MergerParticipated in Absorption/Consolidation/MergerFDIC
Sourced from unified bank events (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 2 events.
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Frequently asked about Farmers & Merchants Bank of North Dakota
What are Farmers & Merchants Bank of North Dakota's total assets?
As of the Q1 2026 filing, Farmers & Merchants Bank of North Dakota reported total assets of $124.0 million in its most recent FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Bank of North Dakota headquartered?
Farmers & Merchants Bank of North Dakota is headquartered in TOLNA, ND, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Bank of North Dakota founded?
Farmers & Merchants Bank of North Dakota was established in 1917, per the FDIC institution directory.
Is Farmers & Merchants Bank of North Dakota FDIC-insured?
Yes. Farmers & Merchants Bank of North Dakota is an FDIC-insured commercial bank (FDIC Certificate #8640). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Bank of North Dakota?
Farmers & Merchants Bank of North Dakota's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers & Merchants Bank of North Dakota's CET1 capital ratio?
Farmers & Merchants Bank of North Dakota reported a Common Equity Tier 1 (CET1) capital ratio of 19.17% in its most recent quarterly filing — comfortably above the 7% well-capitalized regulatory floor.
How many branches does Farmers & Merchants Bank of North Dakota operate?
Farmers & Merchants Bank of North Dakota operates 3 domestic branches, per the most recent FDIC Summary of Deposits filing.
What is Farmers & Merchants Bank of North Dakota's Texas Ratio?
Farmers & Merchants Bank of North Dakota's Texas Ratio is 8.79% — within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; see our /glossary/texas-ratio/ page for the full definition.
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