Farmers & Merchants Savings Bank: 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 largest change between Q1 2026 and Q2 2026 was in Securities to assets, which rose 0.70 percentage points to 27.19%. Farmers & Merchants Savings Bank ranks 172nd of 225 Iowa banks on return on assets, in the lower half at 1.07% (Q2 2026). Farmers & Merchants Savings Bank reported 1.07% on return on assets for Q2 2026, 0.18 points below the 1.25% median for banks in the $100M-1B 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 | 13.62% |
| Equity capital to assets | 13.99% |
| Tangible equity to tangible assets | 12.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.00% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.00% |
| Allowance for credit losses to loans | 1.29% |
| Reserve coverage of non-performing loans | — |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.07% |
| Return on equity | 7.78% |
| Net interest margin | 3.53% |
| Efficiency ratio | 60.62% |
| Yield on earning assets | 5.18% |
| Cost of funds | 1.80% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 77.36% |
| Core deposits to total deposits | 90.92% |
| Brokered deposits to total deposits | 3.13% |
| Deposits to assets | 83.84% |
| Securities to assets | 27.19% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | — | — | — | 14.06% | 0.92% |
| Q4 2023 | 15.89% | 15.89% | 16.97% | 13.37% | 1.00% |
| Q1 2024 | 15.46% | 15.46% | 16.52% | 12.94% | 0.73% |
| Q2 2024 | 15.78% | 15.78% | 16.85% | 13.19% | 0.83% |
| Q3 2024 | — | — | — | 13.38% | 0.78% |
| Q4 2024 | — | — | — | 13.59% | 1.00% |
| Q1 2025 | — | — | — | 13.14% | 0.83% |
| Q2 2025 | 17.09% | 17.09% | 18.23% | 13.44% | 0.97% |
| Q3 2025 | 17.60% | 17.60% | 18.78% | 13.41% | 0.94% |
| Q4 2025 | — | — | — | 13.61% | 0.98% |
| Q1 2026 | — | — | — | 13.38% | 0.93% |
| Q2 2026 | — | — | — | 13.62% | 1.07% |
Farmers & Merchants Savings Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Savings Bank, 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 & Merchants Savings Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10492) · FFIEC NIC profile (RSSD 673244)