FARMERS&MERCHANTS STB ALPHA
ALPHA, MINNESOTA · FDIC Cert #10571
Capital & Safety Analysis
According to FDIC financial data, FARMERS&MERCHANTS STB ALPHA holds a Tier 1 capital ratio of 0.00%. This falls below the 6% threshold regulators require, which may subject FARMERS&MERCHANTS STB ALPHA to additional regulatory scrutiny.
Key Financial Metrics
What This Means For Your Money
FARMERS&MERCHANTS STB ALPHA shows average financial health. While not alarming, its Health Score of 51/100 suggests some areas could be stronger. Your FDIC-insured deposits (up to $250,000) remain fully protected regardless.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
Frequently Asked Questions
FARMERS&MERCHANTS STB ALPHA has a Bank Health Score of C (51/100). It holds a Tier 1 capital ratio of 0.00%, which is below the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
FARMERS&MERCHANTS STB ALPHA holds $47M in total assets and $38M in total deposits. It is located in ALPHA, MINNESOTA (FDIC Certificate #10571).
FARMERS&MERCHANTS STB ALPHA has a Tier 1 capital ratio of 0.00%, classifying it as "Critically Undercapitalized." The nonperforming loan ratio is 1.60%, and the return on assets is 0.82%.
Yes. FARMERS&MERCHANTS STB ALPHA is FDIC-insured (Certificate #10571). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically regain access to funds within two business days.