B
Farmers & Merchants Bank of North Dakota
TolnaND
Rating Date
October 2025
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 6.50
Capitalization Index 10.00
Liquidity Index 3.90
Profitability Index 3.60
Stability Index 5.90
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 4.50%
5-Year Asset Growth 1.14%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 0.86%
Non-Performing Loans to Capital 1.89%
Non-Performing Loans to Loans 1.75%
Balance Sheet Farmers & Merchants Bank of North Dakota
Tolna, ND
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Total Assets 114.21M
Total Deposits 101.75M
Capital and Reserves Farmers & Merchants Bank of North Dakota
Tolna, ND
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Capital 12.06M
Leverage Ratio 11.66
Loan Loss Reserves to Loans 0.83%
Risk-Based Capital Ratio 19.79
Liquidity Farmers & Merchants Bank of North Dakota
Tolna, ND
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Hot Money Ratio 24.25%
Liquidity Ratio 46.64%
Profitability Farmers & Merchants Bank of North Dakota
Tolna, ND
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5-Year Return on Average Assets 0.71%
Net Income 768.00K
Net Interest Spread 3.38%
Operating Profit to Average Assets 0.86%
Overhead Efficiency Ratio 72.15%
Return on Assets 0.86%
Return on Equity 9.21%