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 standout move of Q2 2026 was in Reserve coverage of non-performing loans: 10.66 percentage points higher than in Q1 2026, at 127.98%. Within Iowa, Farmers & Merchants Savings Bank is 155th of 225 on return on assets, 1.18% as of Q2 2026, below the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Savings Bank sits 0.08 points lower, at 1.18% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 13.66% |
| Tier 1 risk-based capital ratio | 13.66% |
| Total risk-based capital ratio | 14.92% |
| Tier 1 leverage ratio | 12.41% |
| Equity capital to assets | 12.17% |
| Tangible equity to tangible assets | 12.12% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.63% |
| Non-performing assets ratio | 1.22% |
| Net charge-off ratio | -0.00% |
| Texas ratio | 9.27% |
| Allowance for credit losses to loans | 2.09% |
| Reserve coverage of non-performing loans | 127.98% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.18% |
| Return on equity | 9.50% |
| Net interest margin | 4.42% |
| Efficiency ratio | 47.40% |
| Yield on earning assets | 5.89% |
| Cost of funds | 1.66% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 89.37% |
| Core deposits to total deposits | 92.85% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 83.66% |
| Securities to assets | 22.17% |
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 | 17.27% | 17.27% | 18.52% | 14.45% | 1.60% |
| Q4 2023 | 14.15% | 14.15% | 15.40% | 12.53% | 0.41% |
| Q1 2024 | 14.63% | 14.63% | 15.88% | 12.73% | 1.31% |
| Q2 2024 | 13.93% | 13.93% | 15.18% | 12.89% | 0.31% |
| Q3 2024 | 15.25% | 15.25% | 16.50% | 12.58% | 1.23% |
| Q4 2024 | 14.18% | 14.18% | 15.43% | 12.35% | 1.37% |
| Q1 2025 | 16.08% | 16.08% | 17.33% | 13.04% | 1.30% |
| Q2 2025 | 15.90% | 15.90% | 17.16% | 13.13% | 1.30% |
| Q3 2025 | 15.10% | 15.10% | 16.35% | 12.51% | -0.80% |
| Q4 2025 | 14.04% | 14.04% | 15.29% | 12.73% | 1.07% |
| Q1 2026 | 15.53% | 15.53% | 16.79% | 13.17% | 1.10% |
| Q2 2026 | 13.66% | 13.66% | 14.92% | 12.41% | 1.18% |
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 9298) · FFIEC NIC profile (RSSD 863746)