C
First Farmers & Merchants State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
15.02
Leverage
Ratio
11.46
Return On
Assets
1.17%
Total
Assets
96.41M
Capital
10.21M
Total
Deposits
85.69M
Net
Income
564.00K
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Weiss Ratings First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Rating C
Asset Quality Index 4.60
Capitalization Index 10.00
Liquidity Index 1.90
Profitability Index 5.40
Stability Index 6.00
Company Info First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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FDIC Number 1600
Phone Number (507) 567-2219
Website www.ffmbank.com/
Asset Quality First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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1-Year Asset Growth 0.66%
5-Year Asset Growth 1.57%
5-Year Charge-Offs to Average Loans 0.30%
Charge-Offs to Average Loans 0.77%
Non-Performing Assets to Assets 1.47%
Non-Performing Loans to Capital 9.82%
Non-Performing Loans to Loans 2.00%
Balance Sheet First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Total Assets 96.41M
Total Deposits 85.69M
Capital and Reserves First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Capital 10.21M
Leverage Ratio 11.46
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 15.02
Liquidity First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Hot Money Ratio 19.06%
Liquidity Ratio 22.33%
Profitability First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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5-Year Return on Average Assets 1.06%
Net Income 564.00K
Net Interest Spread 4.30%
Operating Profit to Average Assets 1.81%
Overhead Efficiency Ratio 54.13%
Return on Assets 1.17%
Return on Equity 11.77%