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Farmers And Merchants Savings Bank
Iowa City, IA · FDIC Certificate #10492 · Chartered 09/2
Total assets
$122.50M
Total deposits
$102.71M
Total equity
$17.14M
Net loans
$78.43M
Branches (offices)
4
Net income (YTD)
$617.00K
Rank: #3,511 of 4,213 U.S. banks by assets · #182 of 225 in Iowa. Assets changed 1.1% and deposits 2.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.00% |
| Return on equity | 7.24% |
| Net interest margin (YTD) | 3.48% |
| Equity to assets | 13.99% |
| Tier 1 leverage ratio | 13.62% |
| Uninsured deposits (share of deposits) | 28.1% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 76.4% |
| Real estate loans (share of loans) | 78.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $61.77M | 78.8% | |
| Commercial & industrial | $9.52M | 12.1% | |
| Consumer / individual | $760.00K | 1.0% | |
| Construction & development | $2.33M | 3.0% | |
| Agricultural | $7.41M | 9.4% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $90.14M | $75.40M | $626.00K | $12.56M |
| Jun 2023 | $86.55M | $72.56M | $427.00K | $12.45M |
| Jun 2024 | $123.66M | $103.42M | $481.00K | $15.70M |
| Jun 2025 | $121.22M | $100.64M | $551.00K | $16.46M |
| Jun 2026 | $122.50M | $102.71M | $617.00K | $17.14M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $102.71M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $102.71M.
Similar-sized banks
Cleo State Bank ($122.53M) · Headwaters State Bank ($122.48M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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