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 Farmers and Merchants State Bank
Farmers and Merchants State Bank
| RSSD ID 145741 | CERTIFICATE 15610 | ABA NUMBER 73903147 |
| 101 W Jefferson St |
Quarter Ended : |
2025-12-31 |
| Winterset, Iowa, 50273 |
Updated : |
2026-01-29 |
| www.fmstate.bank |
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| Institution Profile |
| Year Opened : |
1938 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
Yes |
Powers Exercised : |
Yes |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
4 |
Number of Employees : |
29 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 267,560 |
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Total Interest Income | 12,528 |
| Total Liabilities | 241,559 |
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Total NonInterest Income | 822 |
| Total Bank Equity Capital | 26,001 |
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Total Interest Expense | 3,651 |
| Total Deposits | 238,151 |
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Total NonInterest Expense | 5,314 |
| Net Loans & Leases | 163,259 |
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Net Income | 3,226 |
| Loan Loss Allowance | 1,612 |
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Net Charge Offs | 25 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 28,674 |
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Total loans | 161,794 |
| Total assets for the leverage ratio | 262,127 |
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Loans secured by real estate: | 108,257 |
| Tier 1 Leverage Ratio | 10.33 |
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Commercial and industrial loans | 9,873 |
| Tier 1 Capital Ratio | 15.51 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 16.42 |
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Loans to individuals - Other | 7,694 |
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:· Farmers and Merchants State Bank
