Farmers & Merchants Bank & Trust
Burlington, IA
IDRSSD: 888141
Total Assets
$212.73M
Latest filing
Total Deposits
$180.72M
Latest filing
Net Interest Margin
3.50%
Profitability
Routing numbers
Primary routing transit numbers associated with this institution.
1 routeView all→
073900580BURLINGTON, IA
Key People
Loading leadership data...
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank & Trust
221 Jefferson St
Burlington, IA 52601
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/01/1916FDIC Certificate 8588
Branches (3)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank & Trust (Main) | 221 Jefferson St | Burlington, IA |
| DRIVE-IN BRANCH | 109 West Mt. Pleasant Street | W. Burlington, IA |
| PARKING LOT BRANCH | 125 N 4th St | Burlington, IA |
| WEST BURLINGTON BRANCH | 101 Broadway St | West Burlington, IA |
Showing 3 of 3
Quarterly Trends
Tooltip shows Quarter only. Download buttons export the chart only (CSV/PNG with white background).
Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
Similar banks
Two Rivers Bank & Trust
Burlington, Iowa
→
Assets: $1.15BΔ +438.8%
Charter Bank
Johnston, Iowa
→
Assets: $214.05MΔ +0.5%
Keystone Savings Bank
Marengo, Iowa
→
Assets: $208.43MΔ -2.2%
NorthStar Bank
Estherville, Iowa
→
Assets: $206.82MΔ -2.9%
United Bank and Trust Company
Hampton, Iowa
→
Assets: $219.81MΔ +3.2%
Farmers Savings Bank
Fostoria, Iowa
→
Assets: $206.04MΔ -3.3%
Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 01/01/1916 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52601 |
| State and County Number | 19057 |
| Subchapter S Corporations | No |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | Burlington, IA-IL |
Operational Info
| Number of Employees | 48 |
| Domestic Offices | 4 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 06/30/2024 |
| Date of Deposit Insurance | 01/24/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbanktrust.bank |
| Data Updated | 01/30/2026 |
| CERT | 13737 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $212.73M |
| Total Deposits | $180.72M |
| Total Liabilities | $196.12M |
| Total Equity Capital | $16.61M |
| Net Income | $381.00k |
| Net Loans and Leases | $124.14M |
| Assets Per Employee ($Millions) | $4.34M |
| Bank Premises and Fixed Assets | $3.30M |
| Cash and Balances due from Depository Institutions | $5.06M |
| Deposits Held in Domestic Offices | $180.72M |
Key Performance Ratios
| Return on Assets (ROA) | 0.72% |
| Return on Equity (ROE) | 9.36% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 77.67% |
| Tier 1 Risk-Based Capital Ratio | 16.752% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.21% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.81% |
| Earning Assets to total Assets | 90.65% |
Income and Expense
| Total Interest Income | $2.08M |
| Total Noninterest Income | $979.00k |
| Total Interest Expense | $392.00k |
| Total Noninterest Expense | $2.07M |
| Net Interest Income | $1.69M |
| Pre-tax Net Operating Income | $483.00k |
| Provision for Credit Losses | $112.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $13.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.90M |
| Total Liabilities and Capital | $212.73M |
Securities
| Securities | $65.54M |
| Available-for-sale debt securities | $65.54M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank & Trust?
$212.73M as of the latest filing.
How much are Farmers & Merchants Bank & Trust's total deposits?
$180.72M in total deposits.
Where is Farmers & Merchants Bank & Trust located?
Burlington, IA.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
0.72%.
How much are total loans and leases?
$124.14M (latest filing).
What is the total interest income (latest filing)?
$2.08M.