First Farmers & Merchants National 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: 260.21 percentage points higher than in Q1 2026, at 1874.32%. First Farmers & Merchants National Bank ranks 156th of 221 Minnesota banks on return on assets, in the lower half at 1.09% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. First Farmers & Merchants National Bank sits 0.16 points lower, at 1.09% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.91% |
| Tier 1 risk-based capital ratio | 11.91% |
| Total risk-based capital ratio | 13.04% |
| Tier 1 leverage ratio | 10.59% |
| Equity capital to assets | 9.92% |
| Tangible equity to tangible assets | 9.92% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.06% |
| Non-performing assets ratio | 0.05% |
| Net charge-off ratio | 0.03% |
| Texas ratio | 0.48% |
| Allowance for credit losses to loans | 1.19% |
| Reserve coverage of non-performing loans | 1874.32% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.09% |
| Return on equity | 11.28% |
| Net interest margin | 4.25% |
| Efficiency ratio | 62.84% |
| Yield on earning assets | 6.16% |
| Cost of funds | 2.11% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 101.02% |
| Core deposits to total deposits | 91.11% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 82.14% |
| Securities to assets | 11.48% |
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 | 11.58% | 11.58% | 12.83% | 9.37% | 1.79% |
| Q4 2023 | 12.27% | 12.27% | 13.52% | 10.30% | 3.91% |
| Q1 2024 | 12.28% | 12.28% | 13.53% | 10.21% | 0.70% |
| Q2 2024 | 11.55% | 11.55% | 12.73% | 10.75% | 0.48% |
| Q3 2024 | 11.86% | 11.86% | 13.07% | 10.33% | 0.67% |
| Q4 2024 | 12.56% | 12.56% | 13.81% | 10.22% | 0.98% |
| Q1 2025 | 12.32% | 12.32% | 13.57% | 10.22% | 0.64% |
| Q2 2025 | 12.17% | 12.17% | 13.42% | 11.03% | 0.80% |
| Q3 2025 | 11.92% | 11.92% | 13.17% | 10.73% | 0.71% |
| Q4 2025 | 12.25% | 12.25% | 13.50% | 10.59% | 1.16% |
| Q1 2026 | 11.53% | 11.53% | 12.64% | 10.07% | 0.94% |
| Q2 2026 | 11.91% | 11.91% | 13.04% | 10.59% | 1.09% |
First Farmers & Merchants National Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants National 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 National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33131) · FFIEC NIC profile (RSSD 1470150)