Fm Bank (FDIC #10998): Bank Stress & Real-Estate Credit Exposure

Fm Bank (FDIC Cert #10998): bank stress 69/100, elevated, STABLE over 7 days; parent INDEPENDENT BANCSHARES INC.

Fm Bank (#10998) lends in 5 counties across 1 state; Fm Bank (#10998) reaches 85 ZIP codes: Minnesota 5 counties, 85 ZIPs.

Fm Bank (#10998) largest markets: Otter Tail County, MN (34 branches, 34 ZIPs) (#10998), Renville County, MN (16 branches, 16 ZIPs) (#10998), Yellow Medicine County, MN (28 branches, 14 ZIPs) (#10998), Waseca County, MN (13 branches, 13 ZIPs) (#10998), Traverse County, MN (9 branches, 9 ZIPs) (#10998).

Fm Bank (#10998) reports $738.4 million in total assets; Fm Bank (#10998) equity $58.5 million (7.9% of Fm Bank (#10998) assets); Fm Bank (#10998) domestic deposits $636.1 million; Fm Bank (#10998) net income $5.1 million; Fm Bank (#10998) return on assets 1.42%; Fm Bank (#10998) return on equity 18.05%; Fm Bank (#10998) net interest income $11.5 million; Fm Bank (#10998) call report June 30, 2026.

Fm Bank (#10998) noncurrent real-estate loans: none reported; Fm Bank (#10998) net charge-offs on real estate 0.00%.

Fm Bank (#10998) net interest margin 3.39% against an eight-quarter Fm Bank (#10998) average of 3.03% (Fm Bank (#10998) compression -0.36 points); Fm Bank (#10998) rate-exposure score 40/100, Fm Bank (#10998) fixed-rate trap 40/100; Fm Bank (#10998) risk type credit driven; Fm Bank (#10998) rate regime rates elevated, Fm Bank (#10998) snapshot October 20, 2026.

Fm Bank (#10998) stress score moved from 67.7 on June 22, 2026 to 69.4 on October 20, 2026; Fm Bank (#10998) ranged 67.7 to 69.4 over 117 snapshots.

Fm Bank (#10998) alerts: 5 counties; top Fm Bank (#10998) alert scores: Waseca County, MN 46 (moderate); Fergus Falls County, MN 25 (low); Granite Falls County, MN 25 (low); Olivia County, MN 25 (low); Wheaton County, MN 25 (low).