Is First Farmers&Merchants Bank Safe?
First Farmers&Merchants Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (65/100).
Key Data
| Metric | Value | Score |
|---|---|---|
| Tier 1 Capital Ratio | 12.65% | 82/100 |
| Nonperforming Loan Ratio | 0.00% | 100/100 |
| Liquidity Ratio | 36.24% | 100/100 |
| Return on Assets | 1.13% | 65/100 |
| Total Assets | $0.5B | |
How does First Farmers&Merchants Bank compare?
With a Bank Health Score of 90/100, First Farmers&Merchants Bank sits 20.0 points above the national average of 70/100 for FDIC-insured banks. Within Minnesota, where 225 FDIC-insured banks are headquartered, First Farmers&Merchants Bank ranks above the state average of 73/100 (Grade B).
The bank's Tier 1 capital ratio of 12.65% 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, First Farmers&Merchants Bank's Bank Health Score improved by 3.0 points to 90/100. Tier 1 capital strengthened by 1.15 percentage points to 12.65%. Quarter-over-quarter, the score fell by 1.0 points.
First Farmers&Merchants Bank has a Bank Health Score of 90/100 (A), based on FDIC call report data. Its strongest factor is loan quality (100/100), while profitability is its weakest area (65/100).