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 The Farmers and Merchants State Bank
The Farmers and Merchants State Bank
| RSSD ID 425050 | CERTIFICATE 13999 | ABA NUMBER 91408174 |
| 550 Main St |
Quarter Ended : |
2025-12-31 |
| Scotland, South Dakota, 57059 |
Updated : |
2026-01-21 |
| wwwfmsbscotland.com |
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| Institution Profile |
| Year Opened : |
1934 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Agricultural Specialization |
| Number of Offices : |
1 |
Number of Employees : |
6 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 34,044 |
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Total Interest Income | 1,764 |
| Total Liabilities | 30,570 |
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Total NonInterest Income | 123 |
| Total Bank Equity Capital | 3,474 |
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Total Interest Expense | 364 |
| Total Deposits | 30,509 |
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Total NonInterest Expense | 1,097 |
| Net Loans & Leases | 13,429 |
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Net Income | 341 |
| Loan Loss Allowance | 216 |
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Net Charge Offs | 7 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 13,999 |
| Total assets for the leverage ratio | 34,284 |
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Loans secured by real estate: | 2,580 |
| Tier 1 Leverage Ratio | 12.14 |
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Commercial and industrial loans | 2,046 |
| Off Balance Sheet Exposures (%) | 2.68 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 2,138 |
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:· The Farmers and Merchants State Bank
