| Weiss Ratings |
Merchants State Bank
Freeman, SD |
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| Rating | ||||
| Asset Quality Index | 7.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.70 | |||
| Profitability Index | 7.80 | |||
| Stability Index | 6.30 | |||
| Company Info |
Merchants State Bank
Freeman, SD |
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| FDIC Number | 1125 | |||
| Phone Number | (605) 925-4222 | |||
| Website | www.msb-sd.com | |||
| Asset Quality |
Merchants State Bank
Freeman, SD |
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| 1-Year Asset Growth | 0.14% | |||
| 5-Year Asset Growth | 3.85% | |||
| 5-Year Charge-Offs to Average Loans | 0.07% | |||
| Charge-Offs to Average Loans | 0.00% | |||
| Non-Performing Assets to Assets | 0.20% | |||
| Non-Performing Loans to Capital | 1.30% | |||
| Non-Performing Loans to Loans | 0.31% | |||
| Balance Sheet |
Merchants State Bank
Freeman, SD |
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| Total Assets | 212.53M | |||
| Total Deposits | 169.83M | |||
| Capital and Reserves |
Merchants State Bank
Freeman, SD |
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| Capital | 32.15M | |||
| Leverage Ratio | 16.90 | |||
| Loan Loss Reserves to Loans | 0.72% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Merchants State Bank
Freeman, SD |
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| Hot Money Ratio | 15.00% | |||
| Liquidity Ratio | 17.25% | |||
| Profitability |
Merchants State Bank
Freeman, SD |
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| 5-Year Return on Average Assets | 1.48% | |||
| Net Income | 3.06M | |||
| Net Interest Spread | 4.22% | |||
| Operating Profit to Average Assets | 1.95% | |||
| Overhead Efficiency Ratio | 51.53% | |||
| Return on Assets | 1.85% | |||
| Return on Equity | 13.62% | |||