Farmers & Merchants Savings Bank
Manchester, IA
IDRSSD: 863746
Total Assets
$622.37M
Latest filing
Total Deposits
$544.22M
Latest filing
Net Interest Margin
4.60%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Savings Bank
101 E Main St
Manchester, IA 52057
Full Service - Brick and Mortar
Updated 11/14/2025Established 07/20/1925FDIC Certificate 5953
Branches (6)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Savings Bank (Main) | 101 E Main St | Manchester, IA |
| LINO LAKES BRANCH | 7641 Lake Dr | Lino Lakes, MN |
| CEDAR RAPIDS BRANCH | 4000 1st Ave Ne | Cedar Rapids, IA |
| VADNAIS HEIGHTS BRANCH | 845 East County Road 32 | Vadnais Heights, MN |
| CEDAR RAPIDS BRANCH | 200 1st St Sw | Cedar Rapids, IA |
| FARMERS & MERCHANTS SAVINGS BANK BRANCH | 220 W Main St | Anamosa, IA |
| MONTICELLO BRANCH | 111 E 1st St | Monticello, IA |
Showing 6 of 6
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 member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 07/20/1925 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 52057 |
| State and County Number | 19055 |
| Subchapter S Corporations | Yes |
| Trust Powers | Full Trust Powers Granted |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Kansas City |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 89 |
| Domestic Offices | 7 |
| 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 | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fmbankia.com |
| Data Updated | 11/14/2025 |
| CERT | 9298 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $622.37M |
| Total Deposits | $544.22M |
| Total Liabilities | $548.23M |
| Total Equity Capital | $74.14M |
| Net Income | $-1,199,000 |
| Net Loans and Leases | $407.42M |
| Assets Per Employee ($Millions) | $7.15M |
| Bank Premises and Fixed Assets | $5.14M |
| Cash and Balances due from Depository Institutions | $43.77M |
| Deposits Held in Domestic Offices | $544.22M |
Key Performance Ratios
| Return on Assets (ROA) | -0.79% |
| Return on Equity (ROE) | -6.38% |
| Net Interest Margin | 4.6% |
| Efficiency Ratio | 56.25% |
| Tier 1 Risk-Based Capital Ratio | 15.097% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 2.89% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.912% |
| Earning Assets to total Assets | 96.48% |
Income and Expense
| Total Interest Income | $9.00M |
| Total Noninterest Income | $431.00k |
| Total Interest Expense | $2.25M |
| Total Noninterest Expense | $4.04M |
| Net Interest Income | $6.76M |
| Pre-tax Net Operating Income | $-1,250,000 |
| Provision for Credit Losses | $4.39M |
| 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 | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $14.28M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $4.00M |
| Total Liabilities and Capital | $622.37M |
Securities
| Securities | $137.88M |
| Available-for-sale debt securities | $137.68M |
| 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 Savings Bank?
$622.37M as of the latest filing.
How much are Farmers & Merchants Savings Bank's total deposits?
$544.22M in total deposits.
Where is Farmers & Merchants Savings Bank located?
Manchester, IA.
What is the Net Interest Margin?
4.60%.
How many domestic offices does it operate?
7.
When was it established?
07/20/1925.
What is the Return on Assets (ROA)?
-0.79%.
How much are total loans and leases?
$407.42M (latest filing).
What is the total interest income (latest filing)?
$9.00M.