C
Farmers and Merchants State Bank
Rating Date
August 2026
Risk Based
Capital Ratio
12.96
Leverage
Ratio
11.02
Return On
Assets
2.48%
Total
Assets
180.44M
Capital
18.60M
Total
Deposits
137.27M
Net
Income
2.19M
My Lists My Alerts
Weiss Ratings Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Rating C
Asset Quality Index 5.10
Capitalization Index 10.00
Liquidity Index 0.50
Profitability Index 9.80
Stability Index 3.70
Company Info Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
FDIC Number 501
Phone Number (605) 942-7781
Website www.fmsbonline.com
Asset Quality Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
1-Year Asset Growth 13.50%
5-Year Asset Growth 10.39%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.08%
Non-Performing Assets to Assets 0.19%
Non-Performing Loans to Capital 5.34%
Non-Performing Loans to Loans 0.24%
Balance Sheet Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Total Assets 180.44M
Total Deposits 137.27M
Capital and Reserves Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Capital 18.60M
Leverage Ratio 11.02
Loan Loss Reserves to Loans 1.33%
Risk-Based Capital Ratio 12.96
Liquidity Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
Hot Money Ratio 30.10%
Liquidity Ratio 12.99%
Profitability Farmers and Merchants State Bank
Plankinton, SD 		Click to
Compare		 Click to
Compare		 Click to
Compare
5-Year Return on Average Assets 2.31%
Net Income 2.19M
Net Interest Spread 4.90%
Operating Profit to Average Assets 2.60%
Overhead Efficiency Ratio 38.77%
Return on Assets 2.48%
Return on Equity 24.32%