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.
Loan-to-deposit ratio climbed 3.26 percentage points in Q2 2026, from 83.37% to 86.63%. It was the largest change from Q1 2026 among the key lines here. First Farmers & Merchants National Bank ranks 108th of 221 Minnesota banks on return on assets, in the upper half at 1.37% (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 0.12 points higher, at 1.37% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 14.32% |
| Tier 1 risk-based capital ratio | 14.32% |
| Total risk-based capital ratio | 15.31% |
| Tier 1 leverage ratio | 11.62% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.85% |
| Non-performing assets ratio | 0.65% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.53% |
| Allowance for credit losses to loans | 1.07% |
| Reserve coverage of non-performing loans | 126.42% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.37% |
| Return on equity | 13.39% |
| Net interest margin | 4.05% |
| Efficiency ratio | 51.84% |
| Yield on earning assets | 5.52% |
| Cost of funds | 1.63% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 86.63% |
| Core deposits to total deposits | 80.23% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 88.00% |
| Securities to assets | 18.37% |
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 | 12.58% | 12.58% | 13.72% | 10.41% | 1.59% |
| Q4 2023 | 13.70% | 13.70% | 14.82% | 11.31% | 4.64% |
| Q1 2024 | 13.89% | 13.89% | 15.04% | 10.87% | 0.66% |
| Q2 2024 | 13.84% | 13.84% | 15.02% | 10.89% | 0.85% |
| Q3 2024 | 13.71% | 13.71% | 14.88% | 10.83% | 0.86% |
| Q4 2024 | 14.01% | 14.01% | 15.10% | 11.41% | 2.03% |
| Q1 2025 | 13.66% | 13.66% | 14.77% | 11.27% | 0.89% |
| Q2 2025 | 13.96% | 13.96% | 15.07% | 11.53% | 0.98% |
| Q3 2025 | 14.25% | 14.25% | 15.37% | 11.36% | 1.30% |
| Q4 2025 | 14.24% | 14.24% | 15.25% | 11.32% | 1.86% |
| Q1 2026 | 13.59% | 13.59% | 14.59% | 11.06% | 1.12% |
| Q2 2026 | 14.32% | 14.32% | 15.31% | 11.62% | 1.37% |
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 5186) · FFIEC NIC profile (RSSD 917854)