Farmers&Merchants Stb Pierz (FDIC #10165): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Stb Pierz (FDIC Cert #10165): bank stress 66/100, elevated, STABLE over 7 days; parent FARMERS&MERCHANTS AGENCY INC.
Farmers&Merchants Stb Pierz (#10165) lends in 3 counties across 1 state; Farmers&Merchants Stb Pierz (#10165) reaches 40 ZIP codes: Minnesota 3 counties, 40 ZIPs.
Farmers&Merchants Stb Pierz (#10165) largest markets: Morrison County, MN (20 branches, 20 ZIPs) (#10165), Meeker County, MN (13 branches, 13 ZIPs) (#10165), Benton County, MN (9 branches, 9 ZIPs) (#10165).
Farmers&Merchants Stb Pierz (#10165) reports $336.2 million in total assets; Farmers&Merchants Stb Pierz (#10165) equity $23.5 million (7.0% of Farmers&Merchants Stb Pierz (#10165) assets); Farmers&Merchants Stb Pierz (#10165) domestic deposits $308.5 million; Farmers&Merchants Stb Pierz (#10165) net income $2.9 million; Farmers&Merchants Stb Pierz (#10165) return on assets 1.74%; Farmers&Merchants Stb Pierz (#10165) return on equity 24.32%; Farmers&Merchants Stb Pierz (#10165) net interest income $7.7 million; Farmers&Merchants Stb Pierz (#10165) call report June 30, 2026.
Farmers&Merchants Stb Pierz (#10165) noncurrent real-estate loans: none reported; Farmers&Merchants Stb Pierz (#10165) net charge-offs on real estate 0.82%; Farmers&Merchants Stb Pierz (#10165) residential charge-offs 3.33%.
Farmers&Merchants Stb Pierz (#10165) net interest margin 4.89% against an eight-quarter Farmers&Merchants Stb Pierz (#10165) average of 4.45% (Farmers&Merchants Stb Pierz (#10165) compression -0.45 points); Farmers&Merchants Stb Pierz (#10165) non-residential real estate 332.6% of equity; Farmers&Merchants Stb Pierz (#10165) rate-exposure score 40/100, Farmers&Merchants Stb Pierz (#10165) fixed-rate trap 40/100; Farmers&Merchants Stb Pierz (#10165) risk type credit driven; Farmers&Merchants Stb Pierz (#10165) rate regime rates elevated, Farmers&Merchants Stb Pierz (#10165) snapshot October 20, 2026.
Farmers&Merchants Stb Pierz (#10165) stress score moved from 72.9 on June 22, 2026 to 66.5 on October 20, 2026; Farmers&Merchants Stb Pierz (#10165) ranged 66.5 to 72.9 over 117 snapshots.
Farmers&Merchants Stb Pierz (#10165) alerts: 3 counties; top Farmers&Merchants Stb Pierz (#10165) alert scores: Eden Valley County, MN 25 (low); Pierz County, MN 25 (low); Sauk Rapids County, MN 25 (low).