C
Farmers and Merchants State Bank of Alpha
Alpha,  MN
Rating Date
March 2026
Risk Based
Capital Ratio
16.79
Leverage
Ratio
11.12
Return On
Assets
0.45%
Total
Assets
47.71M
Capital
5.22M
Total
Deposits
41.54M
Net
Income
201.00K
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Weiss Ratings Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Rating C
Asset Quality Index 7.40
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 3.60
Stability Index 4.30
Company Info Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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FDIC Number 10571
Phone Number (507) 847-3620
Website www.famstatebankofalpha.com
Asset Quality Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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1-Year Asset Growth 11.66%
5-Year Asset Growth -0.36%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.81%
Non-Performing Loans to Loans 0.15%
Balance Sheet Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Total Assets 47.71M
Total Deposits 41.54M
Capital and Reserves Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Capital 5.22M
Leverage Ratio 11.12
Loan Loss Reserves to Loans 1.09%
Risk-Based Capital Ratio 16.79
Liquidity Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Hot Money Ratio 26.12%
Liquidity Ratio 38.12%
Profitability Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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5-Year Return on Average Assets 0.50%
Net Income 201.00K
Net Interest Spread 3.61%
Operating Profit to Average Assets 0.64%
Overhead Efficiency Ratio 80.97%
Return on Assets 0.45%
Return on Equity 3.93%