Farmers & Merchants Bank & Trust
Burlington, IA
IDRSSD: 888141
Total Assets
$213.04M
Latest filing
Total Deposits
$184.95M
Latest filing
Net Interest Margin
3.35%
Profitability
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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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 | 49 |
| 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 | 11/14/2025 |
| CERT | 13737 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $213.04M |
| Total Deposits | $184.95M |
| Total Liabilities | $197.10M |
| Total Equity Capital | $15.94M |
| Net Income | $323.00k |
| Net Loans and Leases | $122.67M |
| Assets Per Employee ($Millions) | $4.44M |
| Bank Premises and Fixed Assets | $3.32M |
| Cash and Balances due from Depository Institutions | $5.96M |
| Deposits Held in Domestic Offices | $184.95M |
Key Performance Ratios
| Return on Assets (ROA) | 0.61% |
| Return on Equity (ROE) | 8.38% |
| Net Interest Margin | 3.35% |
| Efficiency Ratio | 81.17% |
| Tier 1 Risk-Based Capital Ratio | 16.74% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.15% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 7.483% |
| Earning Assets to total Assets | 90.35% |
Income and Expense
| Total Interest Income | $2.05M |
| Total Noninterest Income | $967.00k |
| Total Interest Expense | $435.00k |
| Total Noninterest Expense | $2.10M |
| Net Interest Income | $1.61M |
| Pre-tax Net Operating Income | $407.00k |
| Provision for Credit Losses | $79.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $10.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.85M |
| Total Liabilities and Capital | $213.04M |
Securities
| Securities | $66.22M |
| Available-for-sale debt securities | $66.22M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| 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?
$213.04M as of the latest filing.
How much are Farmers & Merchants Bank & Trust's total deposits?
$184.95M in total deposits.
Where is Farmers & Merchants Bank & Trust located?
Burlington, IA.
What is the Net Interest Margin?
3.35%.
How many domestic offices does it operate?
4.
When was it established?
01/01/1916.
What is the Return on Assets (ROA)?
0.61%.
How much are total loans and leases?
$122.67M (latest filing).
What is the total interest income (latest filing)?
$2.05M.