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 3.10
Profitability Index 4.40
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 0.90%
5-Year Asset Growth 6.70%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans -0.01%
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 120.98M
Total Deposits 100.03M
Capital and Reserves Farmers & Merchants Savings Bank
Lone Tree, IA
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Capital 16.79M
Leverage Ratio 13.41
Loan Loss Reserves to Loans 1.34%
Risk-Based Capital Ratio 18.78
Liquidity Farmers & Merchants Savings Bank
Lone Tree, IA
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Hot Money Ratio 17.26%
Liquidity Ratio 30.57%
Profitability Farmers & Merchants Savings Bank
Lone Tree, IA
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5-Year Return on Average Assets 1.04%
Net Income 838.00K
Net Interest Spread 3.28%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 63.29%
Return on Assets 0.91%
Return on Equity 6.84%