B
Farmers & Merchants Savings Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Savings Bank
Iowa City, IA
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Rating B
Asset Quality Index 8.50
Capitalization Index 10.00
Liquidity Index 2.80
Profitability Index 4.50
Stability Index 7.50
Company Info Farmers & Merchants Savings Bank
Iowa City, IA
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FDIC Number 10492
Phone Number (319) 629-4222
Website www.fmbankonline.com
Asset Quality Farmers & Merchants Savings Bank
Iowa City, IA
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1-Year Asset Growth 1.05%
5-Year Asset Growth 6.90%
5-Year Charge-Offs to Average Loans 0.00%
Charge-Offs to Average Loans 0.00%
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
Iowa City, IA
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Total Assets 122.50M
Total Deposits 102.71M
Capital and Reserves Farmers & Merchants Savings Bank
Iowa City, IA
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Capital 17.14M
Leverage Ratio 13.62
Loan Loss Reserves to Loans 1.29%
Risk-Based Capital Ratio --
Liquidity Farmers & Merchants Savings Bank
Iowa City, IA
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Hot Money Ratio 18.33%
Liquidity Ratio 26.23%
Profitability Farmers & Merchants Savings Bank
Iowa City, IA
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5-Year Return on Average Assets 1.03%
Net Income 617.00K
Net Interest Spread 3.44%
Operating Profit to Average Assets 1.27%
Overhead Efficiency Ratio 62.45%
Return on Assets 1.00%
Return on Equity 7.25%