Farmers and Merchants State Bank
Farmers and Merchants State Bank quarterly financials
As reported to the FDIC. Dollar values are period-end balances. Net income is for the single quarter, derived from the FDIC's year-to-date figures by subtracting the prior quarter's report. Ratios (ROA, ROE, NIM) are FDIC-computed annualized year-to-date values.
| Quarter | Assets | Deposits | Net loans | Equity | Net income | ROA | ROE | NIM | Noncurrent |
|---|---|---|---|---|---|---|---|---|---|
| Q1 2026 | $173M | $141M | $137M | $18M | $1M | 2.60% | 26.07% | 4.88% | 1.13% |
| Q4 2025 | $182M | $153M | $142M | $17M | $941K | 2.66% | 26.23% | 4.95% | 0.57% |
| Q3 2025 | $163M | $124M | $125M | $18M | $1M | 2.85% | 27.78% | 4.99% | 0.75% |
| Q2 2025 | $159M | $125M | $124M | $17M | $1M | 2.77% | 27.60% | 4.94% | 0.83% |
| Q1 2025 | $167M | $130M | $123M | $16M | $1M | 2.69% | 27.71% | 4.76% | 0.87% |
| Q4 2024 | $160M | $139M | $122M | $15M | $1M | 2.51% | 26.16% | 4.72% | 0.76% |
| Q3 2024 | $158M | $130M | $115M | $16M | $1M | 2.33% | 24.39% | 4.58% | 0.66% |
| Q2 2024 | $152M | $122M | $114M | $15M | $1M | 2.11% | 22.55% | 4.49% | 0.74% |
| Q1 2024 | $145M | $118M | $108M | $14M | $576K | 1.55% | 16.74% | 4.47% | 0.95% |
| Q4 2023 | $152M | $127M | $113M | $14M | $980K | 2.17% | 24.56% | 4.46% | 0.62% |
| Q3 2023 | $139M | $118M | $101M | $12M | $434K | 2.00% | 22.77% | 4.46% | 0.35% |
| Q2 2023 | $139M | $124M | $100M | $13M | $947K | 2.38% | 26.99% | 4.33% | 0.36% |
Transcribed from FDIC BankFind Suite quarterly financial data (Call Report-derived). Income in Call Reports is filed year-to-date; per-quarter net income shown here is the difference between consecutive reports within the same year. NIM = net interest margin; “Noncurrent” = noncurrent loans as a share of total loans. These figures describe reported financials only and are not a safety rating or a prediction about the institution.