C
Farmers and Merchants State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
12.44
Leverage
Ratio
10.48
Return On
Assets
2.69%
Total
Assets
181.82M
Capital
17.45M
Total
Deposits
153.07M
Net
Income
4.42M
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Weiss Ratings Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Rating C
Asset Quality Index 4.20
Capitalization Index 9.20
Liquidity Index 0.80
Profitability Index 10.00
Stability Index 7.70
Company Info Farmers and Merchants State Bank
Plankinton, SD 		Click to
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FDIC Number 501
Phone Number (605) 942-7781
Website www.fmsbonline.com
Asset Quality Farmers and Merchants State Bank
Plankinton, SD 		Click to
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1-Year Asset Growth 13.35%
5-Year Asset Growth 10.39%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.31%
Non-Performing Loans to Capital 4.11%
Non-Performing Loans to Loans 0.39%
Balance Sheet Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Total Assets 181.82M
Total Deposits 153.07M
Capital and Reserves Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Capital 17.45M
Leverage Ratio 10.48
Loan Loss Reserves to Loans 1.19%
Risk-Based Capital Ratio 12.44
Liquidity Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Hot Money Ratio 25.24%
Liquidity Ratio 18.29%
Profitability Farmers and Merchants State Bank
Plankinton, SD 		Click to
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5-Year Return on Average Assets 2.22%
Net Income 4.42M
Net Interest Spread 4.91%
Operating Profit to Average Assets 2.82%
Overhead Efficiency Ratio 39.64%
Return on Assets 2.69%
Return on Equity 26.09%