C
Farmers & Merchants Savings Bank
Rating Date
March 2026
Risk Based
Capital Ratio
15.29
Leverage
Ratio
12.73
Return On
Assets
0.72%
Total
Assets
593.77M
Capital
75.96M
Total
Deposits
514.05M
Net
Income
4.30M
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Weiss Ratings Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Rating C
Asset Quality Index 7.10
Capitalization Index 10.00
Liquidity Index 2.30
Profitability Index 1.90
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 -1.66%
5-Year Asset Growth -2.55%
5-Year Charge-Offs to Average Loans 0.13%
Charge-Offs to Average Loans 1.28%
Non-Performing Assets to Assets 0.20%
Non-Performing Loans to Capital 1.63%
Non-Performing Loans to Loans 0.32%
Balance Sheet Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Total Assets 593.77M
Total Deposits 514.05M
Capital and Reserves Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Capital 75.96M
Leverage Ratio 12.73
Loan Loss Reserves to Loans 1.57%
Risk-Based Capital Ratio 15.29
Liquidity Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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Hot Money Ratio 14.41%
Liquidity Ratio 28.00%
Profitability Farmers & Merchants Savings Bank
Manchester, IA 		Click to
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5-Year Return on Average Assets 1.39%
Net Income 4.30M
Net Interest Spread 4.18%
Operating Profit to Average Assets 0.76%
Overhead Efficiency Ratio 65.44%
Return on Assets 0.72%
Return on Equity 5.74%