FMB Bank
Major Rating Factors:
A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Weak overall stability index (2.0 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.6%, coupled with a return on assets of 0.6 has resulted in Weak (2.9) profitability.
Other Rating Factors:
Fair liquidity 4.8, driven by a liquidity ratio of 33.0 percent and a “hot money” ratio of 11.1 percent. Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 14.8 and a capital leverage ratio of 9.0.
Asset Mix:
Securities (47%), home mtgs (12%), comm re (10%), cash (9%), comm loans (4%), home eq lns (3%), consumer loans (3%), other (12%)
States with Branches:
MO
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
Farmers & Merchants Bancshares, Inc.
Investment Rating
--
Address
100 Veterans Memorial Parkway
Wright City, MO 63390
Wright City, MO 63390
Phone Number
(636) 745-3339
Year Founded
1910
FDIC Number
Website
Largest Affiliates
No affiliate information available.