C
Farmers and Merchants State Bank of Alpha
Alpha,  MN
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
11.61
Return On
Assets
0.51%
Total
Assets
43.68M
Capital
5.18M
Total
Deposits
37.56M
Net
Income
171.00K
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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 7.30
Capitalization Index 10.00
Liquidity Index 2.90
Profitability Index 3.20
Stability Index 4.70
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 -3.29%
5-Year Asset Growth -2.80%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.12%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.81%
Non-Performing Loans to Loans 0.00%
Balance Sheet Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Total Assets 43.68M
Total Deposits 37.56M
Capital and Reserves Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Capital 5.18M
Leverage Ratio 11.61
Loan Loss Reserves to Loans 1.22%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants State Bank of Alpha
Alpha, MN 		Click to
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Hot Money Ratio 26.76%
Liquidity Ratio 36.86%
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 171.00K
Net Interest Spread 3.60%
Operating Profit to Average Assets 0.75%
Overhead Efficiency Ratio 76.25%
Return on Assets 0.51%
Return on Equity 4.49%