B
Farmers & Merchants Bank of North Dakota
TolnaND
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
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Return On
Assets
Total
Assets
Capital
Total
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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 4.20
Profitability Index 3.60
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 6.90%
5-Year Asset Growth 0.61%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.83%
Non-Performing Loans to Capital 4.39%
Non-Performing Loans to Loans 1.82%
Balance Sheet Farmers & Merchants Bank of North Dakota
Tolna, ND
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Total Assets 118.93M
Total Deposits 105.90M
Capital and Reserves Farmers & Merchants Bank of North Dakota
Tolna, ND
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Capital 12.70M
Leverage Ratio 11.68
Loan Loss Reserves to Loans 0.88%
Risk-Based Capital Ratio 20.58
Liquidity Farmers & Merchants Bank of North Dakota
Tolna, ND
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Hot Money Ratio 23.22%
Liquidity Ratio 51.63%
Profitability Farmers & Merchants Bank of North Dakota
Tolna, ND
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5-Year Return on Average Assets 0.71%
Net Income 1.04M
Net Interest Spread 3.40%
Operating Profit to Average Assets 0.87%
Overhead Efficiency Ratio 72.13%
Return on Assets 0.87%
Return on Equity 9.06%