C
Farmers and Merchants State Bank
Rating Date
October 2025
Risk Based
Capital Ratio
14.26
Leverage
Ratio
11.69
Return On
Assets
2.87%
Total
Assets
162.94M
Capital
17.98M
Total
Deposits
123.54M
Net
Income
3.47M
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Weiss Ratings Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Rating C
Asset Quality Index 5.10
Capitalization Index 10.00
Liquidity Index 1.20
Profitability Index 10.00
Stability Index 4.30
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 3.12%
5-Year Asset Growth 8.39%
5-Year Charge-Offs to Average Loans 0.06%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.36%
Non-Performing Loans to Capital 4.55%
Non-Performing Loans to Loans 0.47%
Balance Sheet Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Total Assets 162.94M
Total Deposits 123.54M
Capital and Reserves Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Capital 17.98M
Leverage Ratio 11.69
Loan Loss Reserves to Loans 1.36%
Risk-Based Capital Ratio 14.26
Liquidity Farmers and Merchants State Bank
Plankinton, SD 		Click to
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Hot Money Ratio 25.67%
Liquidity Ratio 19.71%
Profitability Farmers and Merchants State Bank
Plankinton, SD 		Click to
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5-Year Return on Average Assets 2.22%
Net Income 3.47M
Net Interest Spread 4.91%
Operating Profit to Average Assets 3.02%
Overhead Efficiency Ratio 39.27%
Return on Assets 2.87%
Return on Equity 27.81%