| Weiss Ratings |
Merchants State Bank
Freeman, SD |
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| Rating | ||||
| Asset Quality Index | 7.50 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 2.50 | |||
| Profitability Index | 7.60 | |||
| Stability Index | 5.70 | |||
| 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 | 2.26% | |||
| 5-Year Asset Growth | 1.89% | |||
| 5-Year Charge-Offs to Average Loans | 0.08% | |||
| Charge-Offs to Average Loans | 0.01% | |||
| Non-Performing Assets to Assets | 0.21% | |||
| Non-Performing Loans to Capital | 1.18% | |||
| Non-Performing Loans to Loans | 0.32% | |||
| Balance Sheet |
Merchants State Bank
Freeman, SD |
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| Total Assets | 219.57M | |||
| Total Deposits | 180.69M | |||
| Capital and Reserves |
Merchants State Bank
Freeman, SD |
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| Capital | 35.30M | |||
| Leverage Ratio | 17.26 | |||
| Loan Loss Reserves to Loans | 0.64% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
Merchants State Bank
Freeman, SD |
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| Hot Money Ratio | 14.54% | |||
| Liquidity Ratio | 18.14% | |||
| Profitability |
Merchants State Bank
Freeman, SD |
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| 5-Year Return on Average Assets | 1.48% | |||
| Net Income | 2.09M | |||
| Net Interest Spread | 4.48% | |||
| Operating Profit to Average Assets | 1.97% | |||
| Overhead Efficiency Ratio | 48.57% | |||
| Return on Assets | 1.87% | |||
| Return on Equity | 12.31% | |||