Farmers&Merchants Sb (FDIC #10492): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Sb (FDIC Cert #10492): bank stress 56/100, moderate, STABLE over 7 days; parent COUNTRY BCORP.
Farmers&Merchants Sb (#10492) lends in 3 counties across 1 state; Farmers&Merchants Sb (#10492) reaches 46 ZIP codes: Iowa 3 counties, 46 ZIPs.
Farmers&Merchants Sb (#10492) largest markets: Johnson County, IA (48 branches, 24 ZIPs) (#10492), Muscatine County, IA (14 branches, 14 ZIPs) (#10492), Washington County, IA (13 branches, 13 ZIPs) (#10492).
Farmers&Merchants Sb (#10492) reports $122.5 million in total assets; Farmers&Merchants Sb (#10492) equity $17.1 million (14.0% of Farmers&Merchants Sb (#10492) assets); Farmers&Merchants Sb (#10492) domestic deposits $102.7 million; Farmers&Merchants Sb (#10492) net income $617,000; Farmers&Merchants Sb (#10492) return on assets 1.00%; Farmers&Merchants Sb (#10492) return on equity 7.24%; Farmers&Merchants Sb (#10492) net interest income $2.0 million; Farmers&Merchants Sb (#10492) call report June 30, 2026.
Farmers&Merchants Sb (#10492) noncurrent real-estate loans: none reported; Farmers&Merchants Sb (#10492) net charge-offs on real estate 0.00%.
Farmers&Merchants Sb (#10492) net interest margin 3.48% against an eight-quarter Farmers&Merchants Sb (#10492) average of 3.29% (Farmers&Merchants Sb (#10492) compression -0.20 points); Farmers&Merchants Sb (#10492) rate-exposure score 40/100, Farmers&Merchants Sb (#10492) fixed-rate trap 40/100; Farmers&Merchants Sb (#10492) risk type credit driven; Farmers&Merchants Sb (#10492) rate regime rates elevated, Farmers&Merchants Sb (#10492) snapshot October 19, 2026.
Farmers&Merchants Sb (#10492) stress score moved from 57.5 on June 22, 2026 to 56.4 on October 19, 2026; Farmers&Merchants Sb (#10492) ranged 56.4 to 57.5 over 116 snapshots.
Farmers&Merchants Sb (#10492) alerts: 3 counties; top Farmers&Merchants Sb (#10492) alert scores: Lone Tree County, IA 20 (low); Nichols County, IA 20 (low); Riverside County, IA 20 (low).