Farmers and Merchants State Bank of Pierz
Pierz, MN · Cert 10165 · Peer group: banks under $1B in assets in MN (n=111-113) · Farmers&Merchants Agency Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$336.2MAssets
$221.1MLoans
$308.5MDeposits
$23.5MEquity
Executive Summary
- Strongest standing: return on equity outperforms 93% of banks under $1B in assets in MN (rank 8 of 113).
- Widest gap: total risk-based capital ratio trails 99% of banks under $1B in assets in MN (rank 112 of 113).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.36%
Rank 35 of 113
Net Interest Margin
4.63%
Rank 12 of 113
Efficiency Ratio
58.23%
Rank 45 of 113
Equity / Assets
6.99%
Rank 106 of 113
Non-interest income vs. expense
Unfavorable gap of $8.5M · efficiency ratio beats 61% of banks under $1B in assets in MN | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.36% | 0.87% | 1.20% | 1.41% | Beats 69% | 35 / 113 | |
| Return on Equity | 19.51% | 8.92% | 11.27% | 13.99% | Beats 93% | 8 / 113 | |
| Net Interest Margin | 4.63% | 3.42% | 3.88% | 4.31% | Beats 89% | 12 / 113 | |
| Efficiency Ratio | 58.23% | 54.13% | 61.48% | 69.86% | Beats 61% | 45 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.03% | 0.09% | 0.58% | 1.82% | Beats 36% | 72 / 111 | |
| Net Charge-Offs / Loans | 0.34% | n/a | 0.00% | 0.04% | Beats 8% | 103 / 111 | |
| Capital |
| Tier 1 Capital Ratio | 9.28% | 11.53% | 13.31% | 18.13% | Beats 1% | 112 / 113 | |
| Total Risk-Based Capital Ratio | 9.28% | 12.12% | 14.43% | 19.39% | Beats 1% | 112 / 113 | |
| Equity / Assets | 6.99% | 8.52% | 10.10% | 11.94% | Beats 6% | 106 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 71.69% | 62.08% | 77.32% | 88.06% | 39th pctl | 68 / 111 | |
| Loans / Assets | 65.77% | 55.01% | 66.35% | 75.50% | 49th pctl | 58 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |