| Weiss Ratings |
The Farmers and Merchants State Bank
Scotland, SD |
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| Rating | ||||
| Asset Quality Index | 8.40 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.60 | |||
| Profitability Index | 4.80 | |||
| Stability Index | 4.60 | |||
| Company Info |
The Farmers and Merchants State Bank
Scotland, SD |
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| FDIC Number | 13999 | |||
| Phone Number | (605) 583-2234 | |||
| Website | www.fmsbscotland.com | |||
| Asset Quality |
The Farmers and Merchants State Bank
Scotland, SD |
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| 1-Year Asset Growth | -0.06% | |||
| 5-Year Asset Growth | -0.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.15% | |||
| Charge-Offs to Average Loans | 0.05% | |||
| Non-Performing Assets to Assets | 0.17% | |||
| Non-Performing Loans to Capital | 1.55% | |||
| Non-Performing Loans to Loans | 0.42% | |||
| Balance Sheet |
The Farmers and Merchants State Bank
Scotland, SD |
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| Total Assets | 34.04M | |||
| Total Deposits | 30.51M | |||
| Capital and Reserves |
The Farmers and Merchants State Bank
Scotland, SD |
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| Capital | 3.47M | |||
| Leverage Ratio | 12.14 | |||
| Loan Loss Reserves to Loans | 1.58% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Farmers and Merchants State Bank
Scotland, SD |
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| Hot Money Ratio | 11.43% | |||
| Liquidity Ratio | 37.25% | |||
| Profitability |
The Farmers and Merchants State Bank
Scotland, SD |
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| 5-Year Return on Average Assets | 0.49% | |||
| Net Income | 341.00K | |||
| Net Interest Spread | 4.21% | |||
| Operating Profit to Average Assets | 1.24% | |||
| Overhead Efficiency Ratio | 72.03% | |||
| Return on Assets | 0.99% | |||
| Return on Equity | 10.97% | |||