B
Farmers & Merchants Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
17.19
Leverage
Ratio
13.16
Return On
Assets
1.30%
Total
Assets
594.46M
Capital
76.27M
Total
Deposits
514.22M
Net
Income
3.89M
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Weiss Ratings Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Rating B
Asset Quality Index 5.60
Capitalization Index 10.00
Liquidity Index 3.00
Profitability Index 5.80
Stability Index 8.70
Company Info Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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FDIC Number 9298
Phone Number (563) 927-4475
Website www.fmbankia.com
Asset Quality Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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1-Year Asset Growth 1.72%
5-Year Asset Growth 0.77%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.91%
Non-Performing Loans to Capital 7.88%
Non-Performing Loans to Loans 1.83%
Balance Sheet Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Total Assets 594.46M
Total Deposits 514.22M
Capital and Reserves Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Capital 76.27M
Leverage Ratio 13.16
Loan Loss Reserves to Loans 1.92%
Risk-Based Capital Ratio 17.19
Liquidity Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Hot Money Ratio 15.16%
Liquidity Ratio 34.41%
Profitability Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 3.89M
Net Interest Spread 3.83%
Operating Profit to Average Assets 1.38%
Overhead Efficiency Ratio 65.30%
Return on Assets 1.30%
Return on Equity 10.40%