B
First Farmers & Merchants Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings First Farmers & Merchants Bank
Cannon Falls, MN
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Rating B
Asset Quality Index 8.50
Capitalization Index 7.50
Liquidity Index 3.00
Profitability Index 6.50
Stability Index 5.70
Company Info First Farmers & Merchants Bank
Cannon Falls, MN
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FDIC Number 10168
Phone Number (507) 263-3030
Website www.ffmbank.com
Asset Quality First Farmers & Merchants Bank
Cannon Falls, MN
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1-Year Asset Growth 2.63%
5-Year Asset Growth 7.24%
5-Year Charge-Offs to Average Loans 0.17%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.01%
Non-Performing Loans to Capital 0.06%
Non-Performing Loans to Loans 0.01%
Balance Sheet First Farmers & Merchants Bank
Cannon Falls, MN
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Total Assets 472.14M
Total Deposits 426.53M
Capital and Reserves First Farmers & Merchants Bank
Cannon Falls, MN
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Capital 40.63M
Leverage Ratio 9.30
Loan Loss Reserves to Loans 0.96%
Risk-Based Capital Ratio 13.98
Liquidity First Farmers & Merchants Bank
Cannon Falls, MN
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Hot Money Ratio 15.83%
Liquidity Ratio 25.90%
Profitability First Farmers & Merchants Bank
Cannon Falls, MN
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5-Year Return on Average Assets 1.51%
Net Income 3.50M
Net Interest Spread 3.80%
Operating Profit to Average Assets 1.94%
Overhead Efficiency Ratio 51.87%
Return on Assets 1.01%
Return on Equity 12.01%