Is Farmers&Merchants Stb Spring Safe?
Farmers&Merchants Stb Spring has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (68/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 14.65% | 97/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 33.43% | 100/100 |
| Return on Assets | 1.20% | 68/100 |
| Total Assets | $0.1B | |
How does Farmers&Merchants Stb Spring compare?
With a Bank Health Score of 96/100, Farmers&Merchants Stb Spring sits 26.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, Farmers&Merchants Stb Spring ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 14.65% is the federal regulator's headline measure of bank capital strength — it sits comfortably above the 8% "well-capitalized" threshold.Its nonperforming loan ratio of 0.00% is healthy — most loans are current.
What changed in the last year?
Over the last four quarters, Farmers&Merchants Stb Spring's Bank Health Score fell by 1.0 points to 96/100. Tier 1 capital weakened by 0.84 percentage points to 14.65%. Quarter-over-quarter, the score rose by 1.0 points.
Farmers&Merchants Stb Spring has a Bank Health Score of 96/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (68/100).