Farmers & Merchants State Bank of Springfield: 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.
Return on equity climbed 4.14 percentage points in Q2 2026, from 13.54% to 17.68%. It was the largest change from Q1 2026 among the key lines here. Within Minnesota, Farmers & Merchants State Bank of Springfield is 95th of 221 on return on assets, 1.49% as of Q2 2026, above the middle of the field. Farmers & Merchants State Bank of Springfield reported 1.49% on return on assets for Q2 2026, 0.25 points above the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 15.23% |
| Tier 1 risk-based capital ratio | 15.23% |
| Total risk-based capital ratio | 16.49% |
| Tier 1 leverage ratio | 8.70% |
| Equity capital to assets | 8.57% |
| Tangible equity to tangible assets | 8.57% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 4.48% |
| Non-performing assets ratio | 2.85% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 29.42% |
| Allowance for credit losses to loans | 1.74% |
| Reserve coverage of non-performing loans | 38.87% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.49% |
| Return on equity | 17.68% |
| Net interest margin | 4.13% |
| Efficiency ratio | 62.32% |
| Yield on earning assets | 5.43% |
| Cost of funds | 1.36% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 73.71% |
| Core deposits to total deposits | 98.61% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 86.32% |
| Securities to assets | 24.07% |
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 | 15.49% | 15.49% | 16.75% | 8.08% | 1.04% |
| Q4 2023 | 14.65% | 14.65% | 15.90% | 8.07% | 1.20% |
| Q1 2024 | 14.26% | 14.26% | 15.51% | 7.89% | 1.09% |
| Q2 2024 | 14.65% | 14.65% | 15.90% | 8.18% | 1.06% |
| Q3 2024 | 14.09% | 14.09% | 15.35% | 8.46% | 1.39% |
| Q4 2024 | 13.60% | 13.60% | 14.85% | 8.58% | 1.60% |
| Q1 2025 | 13.14% | 13.14% | 14.39% | 8.56% | 1.52% |
| Q2 2025 | 14.05% | 14.05% | 15.31% | 8.89% | 1.79% |
| Q3 2025 | 15.71% | 15.71% | 16.97% | 9.30% | 1.69% |
| Q4 2025 | 15.31% | 15.31% | 16.57% | 9.09% | 1.48% |
| Q1 2026 | 14.56% | 14.56% | 15.82% | 8.52% | 1.18% |
| Q2 2026 | 15.23% | 15.23% | 16.49% | 8.70% | 1.49% |
Farmers & Merchants State Bank of Springfield vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State Bank of Springfield, 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 of Springfield profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13382) · FFIEC NIC profile (RSSD 770451)