C
First Farmers & Merchants National Bank
Rating Date
August 2026
Risk Based
Capital Ratio
13.04
Leverage
Ratio
10.59
Return On
Assets
1.01%
Total
Assets
140.44M
Capital
13.93M
Total
Deposits
115.36M
Net
Income
726.00K
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Weiss Ratings First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Rating C
Asset Quality Index 8.20
Capitalization Index 9.40
Liquidity Index 0.40
Profitability Index 5.40
Stability Index 4.30
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 7.22%
5-Year Asset Growth -2.33%
5-Year Charge-Offs to Average Loans 0.25%
Charge-Offs to Average Loans 0.20%
Non-Performing Assets to Assets 0.05%
Non-Performing Loans to Capital 0.45%
Non-Performing Loans to Loans 0.06%
Balance Sheet First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Total Assets 140.44M
Total Deposits 115.36M
Capital and Reserves First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Capital 13.93M
Leverage Ratio 10.59
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 13.04
Liquidity First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Hot Money Ratio 20.50%
Liquidity Ratio 10.57%
Profitability First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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5-Year Return on Average Assets 1.24%
Net Income 726.00K
Net Interest Spread 4.08%
Operating Profit to Average Assets 1.55%
Overhead Efficiency Ratio 62.89%
Return on Assets 1.01%
Return on Equity 10.64%