Farmers & Merchants Bank & Trust

Burlington, IA

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.60
Capitalization Index	8.50
Liquidity Index	3.60
Profitability Index	3.00
Stability Index	2.50

Company Info	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	13737
Phone Number	(319) 754-2265
Website	www.fmbanktrust.bank

Asset Quality	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	-10.96%
5-Year Asset Growth	1.65%
5-Year Charge-Offs to Average Loans	0.10%
Charge-Offs to Average Loans	-0.03%
Non-Performing Assets to Assets	0.45%
Non-Performing Loans to Capital	6.49%
Non-Performing Loans to Loans	0.77%

Balance Sheet	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
Total Assets	213.04M
Total Deposits	184.95M

Capital and Reserves	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
Capital	15.94M
Leverage Ratio	10.01
Loan Loss Reserves to Loans	1.46%
Risk-Based Capital Ratio	17.99

Liquidity	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	1.83%
Liquidity Ratio	15.41%

Profitability	Farmers & Merchants Bank & Trust Burlington, IA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	0.35%
Net Income	881.00K
Net Interest Spread	3.11%
Operating Profit to Average Assets	0.69%
Overhead Efficiency Ratio	83.71%
Return on Assets	0.55%
Return on Equity	8.18%