C
First Farmers & Merchants State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.66
Leverage
Ratio
10.40
Return On
Assets
0.20%
Total
Assets
93.06M
Capital
8.95M
Total
Deposits
82.91M
Net
Income
150.00K
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Weiss Ratings First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Rating C
Asset Quality Index 3.40
Capitalization Index 9.10
Liquidity Index 1.40
Profitability Index 0.70
Stability Index 6.30
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 -9.59%
5-Year Asset Growth 5.76%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.09%
Non-Performing Assets to Assets 1.94%
Non-Performing Loans to Capital 16.81%
Non-Performing Loans to Loans 2.50%
Balance Sheet First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Total Assets 93.06M
Total Deposits 82.91M
Capital and Reserves First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Capital 8.95M
Leverage Ratio 10.40
Loan Loss Reserves to Loans 1.94%
Risk-Based Capital Ratio 13.66
Liquidity First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Hot Money Ratio 18.73%
Liquidity Ratio 18.10%
Profitability First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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5-Year Return on Average Assets 1.10%
Net Income 150.00K
Net Interest Spread 3.87%
Operating Profit to Average Assets 0.66%
Overhead Efficiency Ratio 62.33%
Return on Assets 0.20%
Return on Equity 2.29%