Farmers & Merchants Bank & Trust
Major Rating Factors:
Excellent current capitalization (9.6 on a scale of 0 to 10) based on a risk-based capital ratio of 18.5 and a capital leverage ratio of 10.7. A current level of 8.8 percent of nonperforming loans to core capital combined with 8.9 percent from a year earlier contributes to the Good asset quality (5.6).
Other Rating Factors:
Operating profits as a percentage of assets at 1.2%, coupled with a return on assets of 0.9 has resulted in Fair (4.4) profitability. Fair liquidity 3.3, driven by a liquidity ratio of 17.2 percent and a “hot money” ratio of 1.7 percent.
Asset Mix:
Securities (29%), home mtgs (28%), comm re (9%), comm loans (5%), cash (2%), consumer loans (1%), home eq lns (1%), other (25%)
States with Branches:
IA
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
221 Jefferson Street
Burlington, IA 52601
Burlington, IA 52601
Phone Number
(319) 754-2265
Year Founded
1916
FDIC Number
Website
Largest Affiliates
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