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Farmers & Merchants Bank Of North Dakota
Tolna, ND · FDIC Certificate #8640 · Chartered 08/0
Total assets
$119.83M
Total deposits
$106.94M
Total equity
$12.56M
Net loans
$46.65M
Branches (offices)
3
Net income (YTD)
$539.00K
Rank: #3,530 of 4,213 U.S. banks by assets · #43 of 60 in North Dakota. Assets changed 2.4% and deposits 1.8% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.89% |
| Return on equity | 8.66% |
| Net interest margin (YTD) | 3.28% |
| Equity to assets | 10.48% |
| Tier 1 leverage ratio | 10.99% |
| Uninsured deposits (share of deposits) | 12.3% |
| Noncurrent loans (share of loans) | 0.73% |
| Net charge-offs (share of loans) | -0.00% |
| Loans to deposits | 43.6% |
| Real estate loans (share of loans) | 46.2% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $21.56M | 46.2% | |
| Commercial & industrial | $4.98M | 10.7% | |
| Consumer / individual | $2.62M | 5.6% | |
| Construction & development | $0 | 0.0% | |
| Agricultural | $17.89M | 38.3% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $123.61M | $115.37M | $134.00K | $8.15M |
| Jun 2023 | $120.73M | $110.20M | $482.00K | $8.74M |
| Jun 2024 | $111.38M | $101.30M | $472.00K | $9.76M |
| Jun 2025 | $117.06M | $105.07M | $504.00K | $11.56M |
| Jun 2026 | $119.83M | $106.94M | $539.00K | $12.56M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| North Dakota | $106.94M | 3 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $106.94M.
Similar-sized banks
Peoples Bank, Mt. Washington ($119.96M) · The Hamilton Bank ($119.81M)
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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