B
Farmers & Merchants Bank of North Dakota
Tolna,  ND
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Bank of North Dakota
Tolna, ND
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Rating B
Asset Quality Index 5.70
Capitalization Index 10.00
Liquidity Index 4.80
Profitability Index 3.70
Stability Index 5.80
Company Info Farmers & Merchants Bank of North Dakota
Tolna, ND
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FDIC Number 8640
Phone Number (701) 262-4211
Website www.fmbnd.com
Asset Quality Farmers & Merchants Bank of North Dakota
Tolna, ND
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1-Year Asset Growth 2.36%
5-Year Asset Growth 0.61%
5-Year Charge-Offs to Average Loans -0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.80%
Non-Performing Loans to Capital 4.83%
Non-Performing Loans to Loans 2.03%
Balance Sheet Farmers & Merchants Bank of North Dakota
Tolna, ND
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Total Assets 119.83M
Total Deposits 106.94M
Capital and Reserves Farmers & Merchants Bank of North Dakota
Tolna, ND
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Capital 12.56M
Leverage Ratio 10.99
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio --
Liquidity Farmers & Merchants Bank of North Dakota
Tolna, ND
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Hot Money Ratio 21.71%
Liquidity Ratio 58.07%
Profitability Farmers & Merchants Bank of North Dakota
Tolna, ND
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5-Year Return on Average Assets 0.68%
Net Income 539.00K
Net Interest Spread 3.18%
Operating Profit to Average Assets 0.85%
Overhead Efficiency Ratio 71.97%
Return on Assets 0.85%
Return on Equity 8.72%