C
First Farmers & Merchants National Bank
Rating Date
March 2026
Risk Based
Capital Ratio
13.34
Leverage
Ratio
10.42
Return On
Assets
0.76%
Total
Assets
143.61M
Capital
13.41M
Total
Deposits
121.99M
Net
Income
1.02M
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Weiss Ratings First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Rating C
Asset Quality Index 8.10
Capitalization Index 9.10
Liquidity Index 0.90
Profitability Index 4.90
Stability Index 6.10
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 5.20%
5-Year Asset Growth -2.37%
5-Year Charge-Offs to Average Loans 0.33%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.13%
Non-Performing Loans to Capital 1.21%
Non-Performing Loans to Loans 0.17%
Balance Sheet First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Total Assets 143.61M
Total Deposits 121.99M
Capital and Reserves First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Capital 13.41M
Leverage Ratio 10.42
Loan Loss Reserves to Loans 1.32%
Risk-Based Capital Ratio 13.34
Liquidity First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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Hot Money Ratio 20.01%
Liquidity Ratio 17.13%
Profitability First Farmers & Merchants National Bank
Fairmont, MN 		Click to
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5-Year Return on Average Assets 1.17%
Net Income 1.02M
Net Interest Spread 3.86%
Operating Profit to Average Assets 1.26%
Overhead Efficiency Ratio 67.48%
Return on Assets 0.76%
Return on Equity 7.87%