D
Farmers and Merchants State Bank of Appleton
Rating Date
March 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
13.60
Return On
Assets
3.11%
Total
Assets
60.41M
Capital
8.21M
Total
Deposits
51.06M
Net
Income
1.87M
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Weiss Ratings Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Rating D
Asset Quality Index 3.50
Capitalization Index 10.00
Liquidity Index 0.40
Profitability Index 10.00
Stability Index 9.00
Company Info Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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FDIC Number 8845
Phone Number (320) 289-1454
Website www.farmers-merchants.com
Asset Quality Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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1-Year Asset Growth -1.04%
5-Year Asset Growth 2.01%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 1.13%
Non-Performing Loans to Capital 10.46%
Non-Performing Loans to Loans 1.31%
Balance Sheet Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Total Assets 60.41M
Total Deposits 51.06M
Capital and Reserves Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Capital 8.21M
Leverage Ratio 13.60
Loan Loss Reserves to Loans 2.31%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Hot Money Ratio 18.47%
Liquidity Ratio 8.78%
Profitability Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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5-Year Return on Average Assets 1.94%
Net Income 1.87M
Net Interest Spread 5.10%
Operating Profit to Average Assets 3.11%
Overhead Efficiency Ratio 38.75%
Return on Assets 3.11%
Return on Equity 24.69%