The Farmers & Merchants State Bank
The Farmers & 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 | $3.5B | $2.8B | $2.7B | $395M | $10M | 1.15% | 10.12% | 3.47% | 0.41% |
| Q4 2025 | $3.4B | $2.7B | $2.7B | $393M | $10M | 1.03% | 9.32% | 3.38% | 0.41% |
| Q3 2025 | $3.4B | $2.8B | $2.6B | $384M | $9M | 0.98% | 8.93% | 3.32% | 0.19% |
| Q2 2025 | $3.3B | $2.7B | $2.6B | $373M | $8M | 0.93% | 8.54% | 3.24% | 0.14% |
| Q1 2025 | $3.4B | $2.7B | $2.6B | $367M | $7M | 0.88% | 8.14% | 3.11% | 0.17% |
| Q4 2024 | $3.4B | $2.7B | $2.5B | $358M | $9M | 0.83% | 7.91% | 2.84% | 0.12% |
| Q3 2024 | $3.4B | $2.7B | $2.5B | $358M | $7M | 0.76% | 7.32% | 2.79% | 0.11% |
| Q2 2024 | $3.3B | $2.6B | $2.5B | $345M | $6M | 0.73% | 7.08% | 2.77% | 0.10% |
| Q1 2024 | $3.3B | $2.6B | $2.5B | $340M | $6M | 0.70% | 6.80% | 2.70% | 0.76% |
| Q4 2023 | $3.3B | $2.6B | $2.6B | $339M | $6M | 0.75% | 7.18% | 2.85% | 0.87% |
| Q3 2023 | $3.2B | $2.6B | $2.5B | $326M | $5M | 0.76% | 7.28% | 2.90% | 0.89% |
| Q2 2023 | $3.1B | $2.5B | $2.5B | $328M | $6M | 0.84% | 7.93% | 3.00% | 0.25% |
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.