Farmers&Merchants Sb (FDIC #9298): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Sb (FDIC Cert #9298): bank stress 60/100, elevated, STABLE over 7 days; parent DUNN INVESTMENT CO.
Farmers&Merchants Sb (#9298) lends in 5 counties across 2 states; Farmers&Merchants Sb (#9298) reaches 98 ZIP codes: Iowa 3 counties, 57 ZIPs; Minnesota 2 counties, 41 ZIPs.
Farmers&Merchants Sb (#9298) largest markets: Linn County, IA (60 branches, 30 ZIPs) (#9298), Ramsey County, MN (27 branches, 27 ZIPs) (#9298), Anoka County, MN (20 branches, 20 ZIPs) (#9298), Delaware County, IA (17 branches, 17 ZIPs) (#9298), Jones County, IA (34 branches, 17 ZIPs) (#9298).
Farmers&Merchants Sb (#9298) reports $616.8 million in total assets; Farmers&Merchants Sb (#9298) equity $75.0 million (12.2% of Farmers&Merchants Sb (#9298) assets); Farmers&Merchants Sb (#9298) domestic deposits $516.0 million; Farmers&Merchants Sb (#9298) net income $3.4 million; Farmers&Merchants Sb (#9298) return on assets 1.14%; Farmers&Merchants Sb (#9298) return on equity 9.04%; Farmers&Merchants Sb (#9298) net interest income $13.0 million; Farmers&Merchants Sb (#9298) call report June 30, 2026.
Farmers&Merchants Sb (#9298) noncurrent real-estate loans: none reported; Farmers&Merchants Sb (#9298) net charge-offs on real estate 3.71%; Farmers&Merchants Sb (#9298) residential charge-offs 7.34%.
Farmers&Merchants Sb (#9298) net interest margin 4.47% against an eight-quarter Farmers&Merchants Sb (#9298) average of 4.00% (Farmers&Merchants Sb (#9298) compression -0.47 points); Farmers&Merchants Sb (#9298) non-residential real estate 734.0% of equity; Farmers&Merchants Sb (#9298) rate-exposure score 40/100, Farmers&Merchants Sb (#9298) fixed-rate trap 40/100; Farmers&Merchants Sb (#9298) risk type credit driven; Farmers&Merchants Sb (#9298) rate regime rates elevated, Farmers&Merchants Sb (#9298) snapshot October 20, 2026.
Farmers&Merchants Sb (#9298) stress score moved from 56.6 on June 22, 2026 to 60.1 on October 20, 2026; Farmers&Merchants Sb (#9298) ranged 56.6 to 60.1 over 117 snapshots.
Farmers&Merchants Sb (#9298) alerts: 5 counties; top Farmers&Merchants Sb (#9298) alert scores: Cedar Rapids County, IA 21 (low); Circle Pines County, IA 21 (low); Manchester County, IA 21 (low); Monticello County, IA 21 (low); Saint Paul County, IA 21 (low).