| Weiss Ratings |
Farmers & Merchants State Bank
Winterset, IA |
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| Rating | ||||
| Asset Quality Index | 8.70 | |||
| Capitalization Index | 9.50 | |||
| Liquidity Index | 3.00 | |||
| Profitability Index | 6.00 | |||
| Stability Index | 6.40 | |||
| Company Info |
Farmers & Merchants State Bank
Winterset, IA |
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| FDIC Number | 15610 | |||
| Phone Number | (515) 462-4242 | |||
| Website | www.fmstate.bank | |||
| Asset Quality |
Farmers & Merchants State Bank
Winterset, IA |
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| 1-Year Asset Growth | 5.04% | |||
| 5-Year Asset Growth | 4.70% | |||
| 5-Year Charge-Offs to Average Loans | 0.00% | |||
| Charge-Offs to Average Loans | 0.03% | |||
| Non-Performing Assets to Assets | 0.11% | |||
| Non-Performing Loans to Capital | 0.51% | |||
| Non-Performing Loans to Loans | 0.19% | |||
| Balance Sheet |
Farmers & Merchants State Bank
Winterset, IA |
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| Total Assets | 271.74M | |||
| Total Deposits | 241.08M | |||
| Capital and Reserves |
Farmers & Merchants State Bank
Winterset, IA |
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| Capital | 26.86M | |||
| Leverage Ratio | 10.68 | |||
| Loan Loss Reserves to Loans | 0.96% | |||
| Risk-Based Capital Ratio | 17.04 | |||
| Liquidity |
Farmers & Merchants State Bank
Winterset, IA |
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| Hot Money Ratio | 22.42% | |||
| Liquidity Ratio | 28.03% | |||
| Profitability |
Farmers & Merchants State Bank
Winterset, IA |
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| 5-Year Return on Average Assets | 1.18% | |||
| Net Income | 1.60M | |||
| Net Interest Spread | 3.63% | |||
| Operating Profit to Average Assets | 1.56% | |||
| Overhead Efficiency Ratio | 57.36% | |||
| Return on Assets | 1.21% | |||
| Return on Equity | 12.21% | |||