First Farmers & Merchants 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.
Reserve coverage of non-performing loans climbed 58.33 percentage points in Q2 2026, from 12541.67% to 12600.00%. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants Bank ranks 86th of 221 Minnesota banks on return on assets, in the upper half at 1.55% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Farmers & Merchants Bank sits 0.29 points higher, at 1.55% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.04% |
| Tier 1 risk-based capital ratio | 14.04% |
| Total risk-based capital ratio | 14.93% |
| Tier 1 leverage ratio | 10.09% |
| Equity capital to assets | 9.66% |
| Tangible equity to tangible assets | 9.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.01% |
| Non-performing assets ratio | 0.00% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.05% |
| Allowance for credit losses to loans | 0.98% |
| Reserve coverage of non-performing loans | 12600.00% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.55% |
| Return on equity | 16.96% |
| Net interest margin | 4.21% |
| Efficiency ratio | 49.43% |
| Yield on earning assets | 5.34% |
| Cost of funds | 1.22% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 70.96% |
| Core deposits to total deposits | 92.99% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.80% |
| Securities to assets | 27.57% |
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 | 11.50% | 11.50% | 12.36% | 8.19% | 1.18% |
| Q4 2023 | 12.77% | 12.77% | 13.63% | 9.07% | 4.87% |
| Q1 2024 | 12.86% | 12.86% | 13.72% | 8.74% | 0.44% |
| Q2 2024 | 12.65% | 12.65% | 13.49% | 9.16% | 0.40% |
| Q3 2024 | 12.74% | 12.74% | 13.60% | 9.23% | 0.47% |
| Q4 2024 | 13.43% | 13.43% | 14.32% | 9.47% | 1.81% |
| Q1 2025 | 13.33% | 13.33% | 14.22% | 9.69% | 0.88% |
| Q2 2025 | 13.09% | 13.09% | 13.95% | 9.48% | 1.05% |
| Q3 2025 | 13.10% | 13.10% | 13.98% | 9.30% | 1.09% |
| Q4 2025 | 14.16% | 14.16% | 15.07% | 9.86% | 1.75% |
| Q1 2026 | 13.41% | 13.41% | 14.34% | 9.44% | 1.19% |
| Q2 2026 | 14.04% | 14.04% | 14.93% | 10.09% | 1.55% |
First Farmers & Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants 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 First Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10168) · FFIEC NIC profile (RSSD 217059)