C
First Farmers & Merchants National Bank
Rating Date
October 2025
Risk Based
Capital Ratio
13.17
Leverage
Ratio
10.73
Return On
Assets
0.71%
Total
Assets
135.38M
Capital
13.07M
Total
Deposits
114.05M
Net
Income
710.00K
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Weiss Ratings First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Rating C
Asset Quality Index 8.00
Capitalization Index 9.60
Liquidity Index 0.60
Profitability Index 4.80
Stability Index 6.30
Company Info First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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FDIC Number 33131
Phone Number (507) 235-5556
Website www.ffmbank.com/
Asset Quality First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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1-Year Asset Growth -2.74%
5-Year Asset Growth 6.24%
5-Year Charge-Offs to Average Loans 0.33%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 1.38%
Non-Performing Loans to Loans 0.20%
Balance Sheet First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Total Assets 135.38M
Total Deposits 114.05M
Capital and Reserves First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Capital 13.07M
Leverage Ratio 10.73
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 13.17
Liquidity First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Hot Money Ratio 15.71%
Liquidity Ratio 11.26%
Profitability First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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5-Year Return on Average Assets 1.17%
Net Income 710.00K
Net Interest Spread 3.83%
Operating Profit to Average Assets 1.20%
Overhead Efficiency Ratio 68.26%
Return on Assets 0.71%
Return on Equity 7.39%