C
Farmers & Merchants Bank & Trust
Rating Date
March 2026
Risk Based
Capital Ratio
18.01
Leverage
Ratio
10.19
Return On
Assets
0.59%
Total
Assets
212.73M
Capital
16.62M
Total
Deposits
180.72M
Net
Income
1.26M
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Weiss Ratings Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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Rating C
Asset Quality Index 7.50
Capitalization Index 8.80
Liquidity Index 3.60
Profitability Index 3.10
Stability Index 2.70
Company Info Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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FDIC Number 13737
Phone Number (319) 754-2265
Website www.fmbanktrust.bank
Asset Quality Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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1-Year Asset Growth -1.50%
5-Year Asset Growth -1.41%
5-Year Charge-Offs to Average Loans 0.10%
Charge-Offs to Average Loans 0.06%
Non-Performing Assets to Assets 0.57%
Non-Performing Loans to Capital 5.17%
Non-Performing Loans to Loans 0.96%
Balance Sheet Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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Total Assets 212.73M
Total Deposits 180.72M
Capital and Reserves Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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Capital 16.62M
Leverage Ratio 10.19
Loan Loss Reserves to Loans 1.45%
Risk-Based Capital Ratio 18.01
Liquidity Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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Hot Money Ratio 1.88%
Liquidity Ratio 18.28%
Profitability Farmers & Merchants Bank & Trust
Burlington, IA 		Click to
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5-Year Return on Average Assets 0.35%
Net Income 1.26M
Net Interest Spread 3.18%
Operating Profit to Average Assets 0.74%
Overhead Efficiency Ratio 82.13%
Return on Assets 0.59%
Return on Equity 8.50%