Farmers and Merchants Savings Bank

Farmers and Merchants Savings Bank is a currently active commercial lending specialization banking institution headquartered in Iowa City, Iowa. Established in 09/25/1901, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, Farmers and Merchants Savings Bank manages $123.9M in total assets and holds $104.4M in customer deposits. When evaluating the stability of Farmers and Merchants Savings Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 13.63%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 0.93%, while its Return on Equity (ROE) sits at 6.73%. These robust metrics contribute to an overall health score of 8.8 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.