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Farmers & Merchants Bank & Trust
Burlington, IA · FDIC Certificate #13737 · Chartered 01/0
Total assets
$208.23M
Total deposits
$187.02M
Total equity
$17.62M
Net loans
$126.72M
Branches (offices)
4
Net income (YTD)
$963.00K
Rank: #2,924 of 4,213 U.S. banks by assets · #138 of 225 in Iowa. Assets changed -2.2% and deposits -1.0% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 0.91% |
| Return on equity | 11.25% |
| Net interest margin (YTD) | 3.64% |
| Equity to assets | 8.46% |
| Tier 1 leverage ratio | 10.73% |
| Uninsured deposits (share of deposits) | 24.2% |
| Noncurrent loans (share of loans) | 1.66% |
| Net charge-offs (share of loans) | 0.00% |
| Loans to deposits | 67.8% |
| Real estate loans (share of loans) | 82.7% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $104.80M | 82.7% | |
| Commercial & industrial | $9.48M | 7.5% | |
| Consumer / individual | $2.98M | 2.4% | |
| Construction & development | $818.00K | 0.6% | |
| Agricultural | $10.73M | 8.5% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $248.81M | $235.61M | $704.00K | $12.00M |
| Jun 2023 | $236.96M | $210.81M | $127.00K | $10.08M |
| Jun 2024 | $236.91M | $202.93M | $469.00K | $11.68M |
| Jun 2025 | $212.91M | $188.99M | $558.00K | $14.88M |
| Jun 2026 | $208.23M | $187.02M | $963.00K | $17.62M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Iowa | $187.02M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $187.02M.
Similar-sized banks
Paper City Savings Bank, S.A. ($208.35M) · Community State Bank ($208.09M)
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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