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Farmers And Merchants State Bank Of Pierz
Pierz, MN · FDIC Certificate #10165 · Chartered 01/0
Total assets
$336.23M
Total deposits
$308.46M
Total equity
$23.49M
Net loans
$218.22M
Branches (offices)
3
Net income (YTD)
$2.92M
Rank: #2,307 of 4,213 U.S. banks by assets · #77 of 221 in Minnesota. Assets changed 4.6% and deposits 3.4% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.74% |
| Return on equity | 24.32% |
| Net interest margin (YTD) | 4.89% |
| Equity to assets | 6.99% |
| Tier 1 leverage ratio | 9.28% |
| Uninsured deposits (share of deposits) | 12.7% |
| Noncurrent loans (share of loans) | 1.03% |
| Net charge-offs (share of loans) | 0.68% |
| Loans to deposits | 70.7% |
| Real estate loans (share of loans) | 67.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $147.14M | 67.4% | |
| Commercial & industrial | $25.89M | 11.9% | |
| Consumer / individual | $6.48M | 3.0% | |
| Construction & development | $631.00K | 0.3% | |
| Agricultural | $39.17M | 18.0% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $307.57M | $292.47M | $2.10M | $11.44M |
| Jun 2023 | $304.21M | $284.06M | $1.94M | $16.22M |
| Jun 2024 | $313.62M | $291.22M | $2.16M | $19.05M |
| Jun 2025 | $321.42M | $298.45M | $2.07M | $21.51M |
| Jun 2026 | $336.23M | $308.46M | $2.92M | $23.49M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Minnesota | $308.46M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $308.46M.
Similar-sized banks
Eastern Savings Bank, FSB ($336.41M) · The Citizens State Bank ($336.19M)
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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