First Farmers & Merchants State Bank of Grand Meadow

Grand Meadow, MN

Rating Date

October 2025

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
Deposits

Net
Income

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Weiss Ratings	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	6.90
Capitalization Index	6.80
Liquidity Index	2.10
Profitability Index	5.10
Stability Index	5.00

Company Info	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
FDIC Number	15621
Phone Number	(507) 754-5123
Website	www.ffmbank.com/

Asset Quality	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	7.66%
5-Year Asset Growth	6.33%
5-Year Charge-Offs to Average Loans	0.48%
Charge-Offs to Average Loans	-0.02%
Non-Performing Assets to Assets	0.00%
Non-Performing Loans to Capital	4.62%
Non-Performing Loans to Loans	0.00%

Balance Sheet	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
Total Assets	94.48M
Total Deposits	85.28M

Capital and Reserves	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
Capital	7.85M
Leverage Ratio	8.85
Loan Loss Reserves to Loans	1.34%
Risk-Based Capital Ratio	12.89

Liquidity	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	20.88%
Liquidity Ratio	14.16%

Profitability	First Farmers & Merchants State Bank of Grand Meadow Grand Meadow, MN	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.00%
Net Income	533.00K
Net Interest Spread	4.10%
Operating Profit to Average Assets	1.31%
Overhead Efficiency Ratio	62.82%
Return on Assets	0.75%
Return on Equity	9.36%