C
Farmers & Merchants Savings Bank
Rating Date
October 2025
Risk Based
Capital Ratio
16.35
Leverage
Ratio
12.51
Return On
Assets
0.60%
Total
Assets
622.37M
Capital
74.14M
Total
Deposits
544.22M
Net
Income
2.69M
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Weiss Ratings Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Rating C
Asset Quality Index 6.70
Capitalization Index 10.00
Liquidity Index 3.10
Profitability Index 1.20
Stability Index 8.60
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 -2.39%
5-Year Asset Growth 0.77%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 1.32%
Non-Performing Assets to Assets 0.16%
Non-Performing Loans to Capital 3.40%
Non-Performing Loans to Loans 0.35%
Balance Sheet Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Total Assets 622.37M
Total Deposits 544.22M
Capital and Reserves Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Capital 74.14M
Leverage Ratio 12.51
Loan Loss Reserves to Loans 1.94%
Risk-Based Capital Ratio 16.35
Liquidity Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Hot Money Ratio 13.85%
Liquidity Ratio 35.07%
Profitability Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 2.69M
Net Interest Spread 4.10%
Operating Profit to Average Assets 0.64%
Overhead Efficiency Ratio 61.89%
Return on Assets 0.60%
Return on Equity 4.79%