| Weiss Ratings |
The Farmers and Merchants State Bank
Scotland, SD |
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| Rating | ||||
| Asset Quality Index | 8.60 | |||
| Capitalization Index | 10.00 | |||
| Liquidity Index | 4.90 | |||
| Profitability Index | 5.50 | |||
| 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 | 4.30% | |||
| 5-Year Asset Growth | -0.52% | |||
| 5-Year Charge-Offs to Average Loans | 0.09% | |||
| Charge-Offs to Average Loans | -0.02% | |||
| Non-Performing Assets to Assets | 0.00% | |||
| Non-Performing Loans to Capital | 0.24% | |||
| Non-Performing Loans to Loans | 0.00% | |||
| Balance Sheet |
The Farmers and Merchants State Bank
Scotland, SD |
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| Total Assets | 36.04M | |||
| Total Deposits | 32.37M | |||
| Capital and Reserves |
The Farmers and Merchants State Bank
Scotland, SD |
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| Capital | 3.57M | |||
| Leverage Ratio | 11.89 | |||
| Loan Loss Reserves to Loans | 1.61% | |||
| Risk-Based Capital Ratio | -- | |||
| Liquidity |
The Farmers and Merchants State Bank
Scotland, SD |
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| Hot Money Ratio | 11.80% | |||
| Liquidity Ratio | 43.19% | |||
| Profitability |
The Farmers and Merchants State Bank
Scotland, SD |
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| 5-Year Return on Average Assets | 0.66% | |||
| Net Income | 221.00K | |||
| Net Interest Spread | 4.25% | |||
| Operating Profit to Average Assets | 1.46% | |||
| Overhead Efficiency Ratio | 65.63% | |||
| Return on Assets | 1.22% | |||
| Return on Equity | 12.80% | |||