D
Farmers and Merchants State Bank of Appleton
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
12.73
Return On
Assets
2.78%
Total
Assets
59.38M
Capital
7.46M
Total
Deposits
51.38M
Net
Income
837.00K
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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 3.60
Capitalization Index 10.00
Liquidity Index 0.20
Profitability Index 10.00
Stability Index 8.40
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 -7.71%
5-Year Asset Growth 6.64%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans -0.03%
Non-Performing Assets to Assets 2.08%
Non-Performing Loans to Capital 9.34%
Non-Performing Loans to Loans 1.56%
Balance Sheet Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Total Assets 59.38M
Total Deposits 51.38M
Capital and Reserves Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Capital 7.46M
Leverage Ratio 12.73
Loan Loss Reserves to Loans 2.25%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Hot Money Ratio 17.65%
Liquidity Ratio 7.36%
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 837.00K
Net Interest Spread 5.04%
Operating Profit to Average Assets 2.78%
Overhead Efficiency Ratio 40.19%
Return on Assets 2.78%
Return on Equity 22.86%