Farmers & Merchants State 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 Securities to assets: 1.70 percentage points lower than in Q1 2026, at 26.97%. Within Iowa, Farmers & Merchants State Bank is 130th of 225 on return on assets, 1.29% 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 State Bank sits 0.04 points higher, at 1.29% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.13% |
| Tier 1 risk-based capital ratio | 16.13% |
| Total risk-based capital ratio | 17.04% |
| Tier 1 leverage ratio | 10.68% |
| Equity capital to assets | 9.89% |
| Tangible equity to tangible assets | 9.89% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.19% |
| Non-performing assets ratio | 0.11% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 1.08% |
| Allowance for credit losses to loans | 0.96% |
| Reserve coverage of non-performing loans | 516.56% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.29% |
| Return on equity | 12.94% |
| Net interest margin | 3.70% |
| Efficiency ratio | 53.40% |
| Yield on earning assets | 5.11% |
| Cost of funds | 1.53% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 68.88% |
| Core deposits to total deposits | 85.69% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.72% |
| Securities to assets | 26.97% |
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 | 15.15% | 15.15% | 16.01% | 10.33% | 0.99% |
| Q4 2023 | 14.45% | 14.45% | 15.31% | 10.17% | 1.13% |
| Q1 2024 | 14.96% | 14.96% | 15.81% | 10.31% | 1.11% |
| Q2 2024 | 15.03% | 15.03% | 15.87% | 10.49% | 1.19% |
| Q3 2024 | 15.63% | 15.63% | 16.49% | 10.41% | 1.19% |
| Q4 2024 | 15.56% | 15.56% | 16.40% | 10.01% | 1.23% |
| Q1 2025 | 15.75% | 15.75% | 16.60% | 9.93% | 1.20% |
| Q2 2025 | 15.66% | 15.66% | 16.50% | 10.09% | 1.26% |
| Q3 2025 | 15.23% | 15.23% | 16.04% | 10.42% | 1.40% |
| Q4 2025 | 15.51% | 15.51% | 16.42% | 10.33% | 1.09% |
| Q1 2026 | 15.77% | 15.77% | 16.67% | 10.43% | 1.12% |
| Q2 2026 | 16.13% | 16.13% | 17.04% | 10.68% | 1.29% |
Farmers & Merchants State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State 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 State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15610) · FFIEC NIC profile (RSSD 145741)