First Farmers & Merchants State Bank of Grand Meadow: 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: 28.75 percentage points higher than in Q1 2026, at 202.86%. Within Minnesota, First Farmers & Merchants State Bank of Grand Meadow is 168th of 221 on return on assets, 1.01% as of Q2 2026, below the middle of the field. The median for banks in the < $100M asset tier is 0.98% on return on assets; First Farmers & Merchants State Bank of Grand Meadow reported 1.01% for Q2 2026, nearly level with it.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.46% |
| Tier 1 risk-based capital ratio | 11.46% |
| Total risk-based capital ratio | 12.71% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 9.34% |
| Tangible equity to tangible assets | 9.34% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.73% |
| Non-performing assets ratio | 0.60% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 5.70% |
| Allowance for credit losses to loans | 1.49% |
| Reserve coverage of non-performing loans | 202.86% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.01% |
| Return on equity | 11.43% |
| Net interest margin | 4.51% |
| Efficiency ratio | 56.01% |
| Yield on earning assets | 6.22% |
| Cost of funds | 1.88% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 91.81% |
| Core deposits to total deposits | 90.84% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 89.45% |
| Securities to assets | 12.93% |
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 | 11.02% | 11.02% | 12.14% | 8.43% | 1.50% |
| Q4 2023 | 10.94% | 10.94% | 12.01% | 9.00% | 3.13% |
| Q1 2024 | 10.75% | 10.75% | 11.81% | 8.84% | 0.75% |
| Q2 2024 | 10.92% | 10.92% | 11.94% | 8.89% | 0.48% |
| Q3 2024 | 11.28% | 11.28% | 12.33% | 9.24% | 0.42% |
| Q4 2024 | 11.26% | 11.26% | 12.32% | 8.92% | 1.19% |
| Q1 2025 | 10.97% | 10.97% | 12.14% | 8.61% | 0.41% |
| Q2 2025 | 11.18% | 11.18% | 12.43% | 8.86% | 0.94% |
| Q3 2025 | 11.64% | 11.64% | 12.89% | 8.85% | 0.91% |
| Q4 2025 | 11.93% | 11.93% | 13.18% | 9.02% | 1.01% |
| Q1 2026 | 11.99% | 11.99% | 13.24% | 9.00% | 1.29% |
| Q2 2026 | 11.46% | 11.46% | 12.71% | 9.44% | 1.01% |
First Farmers & Merchants State Bank of Grand Meadow vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock First Farmers & Merchants State Bank of Grand Meadow, 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 State Bank of Grand Meadow profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15621) · FFIEC NIC profile (RSSD 77150)