C
First Farmers & Merchants State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.77
Leverage
Ratio
10.77
Return On
Assets
0.17%
Total
Assets
93.68M
Capital
9.04M
Total
Deposits
81.51M
Net
Income
161.00K
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Weiss Ratings First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Rating C
Asset Quality Index 3.60
Capitalization Index 9.70
Liquidity Index 1.30
Profitability Index 0.60
Stability Index 6.10
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 -4.74%
5-Year Asset Growth 1.47%
5-Year Charge-Offs to Average Loans 0.20%
Charge-Offs to Average Loans 0.96%
Non-Performing Assets to Assets 2.18%
Non-Performing Loans to Capital 15.13%
Non-Performing Loans to Loans 2.79%
Balance Sheet First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Total Assets 93.68M
Total Deposits 81.51M
Capital and Reserves First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Capital 9.04M
Leverage Ratio 10.77
Loan Loss Reserves to Loans 1.50%
Risk-Based Capital Ratio 13.77
Liquidity First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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Hot Money Ratio 18.93%
Liquidity Ratio 17.31%
Profitability First Farmers & Merchants State Bank
Brownsdale, MN 		Click to
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5-Year Return on Average Assets 1.10%
Net Income 161.00K
Net Interest Spread 3.96%
Operating Profit to Average Assets 0.61%
Overhead Efficiency Ratio 60.59%
Return on Assets 0.17%
Return on Equity 1.83%