B
First Farmers & Merchants Bank
Rating Date
March 2026
Risk Based
Capital Ratio
14.51
Leverage
Ratio
9.44
Return On
Assets
1.03%
Total
Assets
489.58M
Capital
42.19M
Total
Deposits
441.77M
Net
Income
4.82M
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Weiss Ratings First Farmers & Merchants Bank
Cannon Falls, MN 		Click to
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Rating B
Asset Quality Index 8.60
Capitalization Index 7.70
Liquidity Index 3.30
Profitability Index 6.60
Stability Index 5.70
Company Info First Farmers & Merchants Bank
Cannon Falls, MN 		Click to
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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 		Click to
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1-Year Asset Growth 7.71%
5-Year Asset Growth 3.44%
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 		Click to
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Total Assets 489.58M
Total Deposits 441.77M
Capital and Reserves First Farmers & Merchants Bank
Cannon Falls, MN 		Click to
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Capital 42.19M
Leverage Ratio 9.44
Loan Loss Reserves to Loans 1.00%
Risk-Based Capital Ratio 14.51
Liquidity First Farmers & Merchants Bank
Cannon Falls, MN 		Click to
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Hot Money Ratio 14.97%
Liquidity Ratio 29.00%
Profitability First Farmers & Merchants Bank
Cannon Falls, MN 		Click to
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5-Year Return on Average Assets 1.51%
Net Income 4.82M
Net Interest Spread 3.85%
Operating Profit to Average Assets 1.97%
Overhead Efficiency Ratio 51.27%
Return on Assets 1.03%
Return on Equity 12.19%