B
Farmers & Merchants Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Savings Bank
Lone Tree, IA
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Rating B
Asset Quality Index 8.40
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 4.30
Stability Index 7.30
Company Info Farmers & Merchants Savings Bank
Lone Tree, IA
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FDIC Number 10492
Phone Number (319) 629-4222
Website www.fmbankonline.com
Asset Quality Farmers & Merchants Savings Bank
Lone Tree, IA
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1-Year Asset Growth -1.97%
5-Year Asset Growth 6.70%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.02%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Farmers & Merchants Savings Bank
Lone Tree, IA
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Total Assets 121.22M
Total Deposits 100.64M
Capital and Reserves Farmers & Merchants Savings Bank
Lone Tree, IA
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Capital 16.46M
Leverage Ratio 13.44
Loan Loss Reserves to Loans 1.30%
Risk-Based Capital Ratio 18.23
Liquidity Farmers & Merchants Savings Bank
Lone Tree, IA
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Hot Money Ratio 16.06%
Liquidity Ratio 27.99%
Profitability Farmers & Merchants Savings Bank
Lone Tree, IA
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5-Year Return on Average Assets 1.04%
Net Income 551.00K
Net Interest Spread 3.23%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 63.35%
Return on Assets 0.90%
Return on Equity 6.80%