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 (2.7 on a scale of 0 to 10). Operating profits as a percentage of assets at 0.3%, coupled with a return on assets of 0.2 has resulted in Weak (1.8) profitability.
Other Rating Factors:
A current level of 0.1 percent of nonperforming loans to core capital combined with 7.8 percent from a year earlier contributes to the Excellent asset quality (9.6). Good current capitalization (5.5 on a scale of 0 to 10) based on a risk-based capital ratio of 15.1 and a capital leverage ratio of 7.5.
Asset Mix:
Securities (41%), cash (21%), home mtgs (12%), comm re (10%), home eq lns (3%), consumer loans (2%), comm loans (2%), other (9%)
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
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