Farmers & Merchants State Bank of Springfield

Springfield, MN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

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Weiss Ratings	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	7.50
Capitalization Index	7.50
Liquidity Index	3.20
Profitability Index	7.30
Stability Index	5.60

Company Info	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	13382
Phone Number	(507) 723-4800
Website	www.fmb-ebank.com/Pages/Default.html

Asset Quality	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-2.24%
5-Year Asset Growth	1.85%
5-Year Charge-Offs to Average Loans	0.00%
Charge-Offs to Average Loans	0.00%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	0.00%
Non-Performing Loans to Loans	0.00%

Balance Sheet	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	135.71M
Total Deposits	115.96M

Capital and Reserves	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
Capital	12.35M
Leverage Ratio	9.30
Loan Loss Reserves to Loans	1.73%
Risk-Based Capital Ratio	16.97

Liquidity	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	4.42%
Liquidity Ratio	17.21%

Profitability	Farmers & Merchants State Bank of Springfield Springfield, MN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.99%
Net Income	1.69M
Net Interest Spread	4.45%
Operating Profit to Average Assets	1.82%
Overhead Efficiency Ratio	56.03%
Return on Assets	1.66%
Return on Equity	19.12%