D
Farmers and Merchants State Bank of Appleton
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
13.15
Return On
Assets
2.82%
Total
Assets
59.43M
Capital
7.78M
Total
Deposits
49.92M
Net
Income
1.27M
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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 3.70
Capitalization Index 10.00
Liquidity Index 0.10
Profitability Index 10.00
Stability Index 3.70
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 -0.98%
5-Year Asset Growth 6.64%
5-Year Charge-Offs to Average Loans 0.18%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 2.05%
Non-Performing Loans to Capital 8.85%
Non-Performing Loans to Loans 1.52%
Balance Sheet Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Total Assets 59.43M
Total Deposits 49.92M
Capital and Reserves Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Capital 7.78M
Leverage Ratio 13.15
Loan Loss Reserves to Loans 2.26%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants State Bank of Appleton
Appleton, MN 		Click to
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Hot Money Ratio 18.49%
Liquidity Ratio 6.81%
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 1.27M
Net Interest Spread 5.07%
Operating Profit to Average Assets 2.82%
Overhead Efficiency Ratio 39.44%
Return on Assets 2.82%
Return on Equity 22.82%