Farmers & Merchants Savings Bank

Manchester, IA

Rating Date

August 2026

Risk Based
Capital Ratio

Leverage
Ratio

Return On
Assets

Total
Assets

Capital

Total
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Weiss Ratings	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
Rating	C
Asset Quality Index	5.90
Capitalization Index	10.00
Liquidity Index	1.80
Profitability Index	4.50
Stability Index	7.20

Company Info	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
FDIC Number	9298
Phone Number	(563) 927-4475
Website	www.fmbankia.com

Asset Quality	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
1-Year Asset Growth	3.76%
5-Year Asset Growth	-2.55%
5-Year Charge-Offs to Average Loans	0.37%
Charge-Offs to Average Loans	-0.01%
Non-Performing Assets to Assets	1.11%
Non-Performing Loans to Capital	8.31%
Non-Performing Loans to Loans	1.63%

Balance Sheet	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
Total Assets	616.83M
Total Deposits	516.05M

Capital and Reserves	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
Capital	75.04M
Leverage Ratio	12.41
Loan Loss Reserves to Loans	2.09%
Risk-Based Capital Ratio	14.92

Liquidity	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
Hot Money Ratio	15.59%
Liquidity Ratio	25.60%

Profitability	Farmers & Merchants Savings Bank Manchester, IA	Click to Compare	Click to Compare	Click to Compare
5-Year Return on Average Assets	1.21%
Net Income	3.44M
Net Interest Spread	4.42%
Operating Profit to Average Assets	1.20%
Overhead Efficiency Ratio	53.62%
Return on Assets	1.14%
Return on Equity	9.01%