Farmers & Merchants Savings Bank
Iowa City, IA · Cert 10492 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · Country Bcorp
State charter, non-member · FDIC · 3 affiliate banks · 4 branches (12 in holding)
Q2 2026
$122.5MAssets
$79.5MLoans
$102.7MDeposits
$17.1MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets operating in a single state (rank 105 of 743).
- Widest gap: net interest margin trails 71% of banks under $1B in assets operating in a single state (rank 533 of 746).
- Overall: at or above the peer median on 4 of 9 directional measures.
Return on Assets
1.01%
Rank 403 of 746
Net Interest Margin
3.26%
Rank 533 of 746
Efficiency Ratio
62.45%
Rank 327 of 746
Equity / Assets
13.99%
Rank 141 of 746
Non-interest income vs. expense
Unfavorable gap of $2.4M · efficiency ratio beats 56% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.01% | 0.72% | 1.06% | 1.45% | Beats 46% | 403 / 746 | |
| Return on Equity | 7.20% | 6.74% | 10.51% | 13.63% | Beats 29% | 533 / 746 | |
| Net Interest Margin | 3.26% | 3.17% | 3.68% | 4.16% | Beats 29% | 533 / 746 | |
| Efficiency Ratio | 62.45% | 55.74% | 64.58% | 75.47% | Beats 56% | 327 / 746 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.00% | 0.09% | 0.42% | 1.07% | Beats 100% | 105 / 743 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 100% | 185 / 743 | |
| Capital |
| Tier 1 Capital Ratio | 13.62% | 11.55% | 13.75% | 17.60% | Beats 49% | 383 / 746 | |
| Total Risk-Based Capital Ratio | 13.62% | 11.71% | 14.33% | 18.43% | Beats 43% | 423 / 746 | |
| Equity / Assets | 13.99% | 8.90% | 10.51% | 13.06% | Beats 81% | 141 / 746 | |
| Liquidity & Funding |
| Loans / Deposits | 77.36% | 61.31% | 78.27% | 90.78% | 49th pctl | 383 / 746 | |
| Loans / Assets | 64.87% | 53.60% | 66.97% | 76.08% | 45th pctl | 411 / 746 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |