$331M
+3.2%y/y
Percentile by value10th percentileby value
FDIC
ASSETFM
Farmers and Merchants State Bank of Pierz
Pierz, MinnesotaFDIC Cert #10165
STATEEstablished 19083 branches
Holding company: FARMERS&MERCHANTS AGENCY INCRegulator: FDIC
FDIC
CERT + OFFDOMWhat's happening here
As of Q1 2026FDIC
Call ReportFarmers and Merchants State Bank of Pierz reported $331M in total assets. Deposits grew 3.26% over the prior year.
Return on assets was 1.38%, compared with an asset-peer median of 1.22%. The leverage ratio was 8.97%.
- Why is Total Assets below asset peers?
- Why is Tier 1 Leverage Ratio below asset peers?
- Why is Net Loan Growth, Year over Year below asset peers?
Generated offline from verified FDIC facts for the period shown. Bank Data Insights does not rate banks, predict outcomes, or provide advice.
Latest reported quarter
Key metrics
$308M
+3.3%y/y
Percentile by value19th percentileby value
FDIC
DEP$212M
−2.7%y/y
Percentile by value14th percentileby value
FDIC
LNLSNET1.38%
+85 bpsy/y
Peer standing60th percentile
FDIC
NETINC + ROA60.15%
−122 bpsy/y
Peer standing57th percentile
FDIC
NONIX + NIM + NONII + EEFFR8.97%
−84 bpsy/y
Peer standing12th percentile
FDIC
RBC1AAJPercentiles compare this bank with 1,446 banks from $300 million to $1 billion.
FDIC
Call ReportBalance sheet trend
Assets & deposits
| Quarter | Assets | Deposits |
|---|---|---|
| Q2 2021 | $288M | $262M |
| Q3 2021 | $299M | $272M |
| Q4 2021 | $313M | $286M |
| Q1 2022 | $301M | $286M |
| Q2 2022 | $308M | $292M |
| Q3 2022 | $311M | $303M |
| Q4 2022 | $314M | $297M |
| Q1 2023 | $307M | $289M |
| Q2 2023 | $304M | $284M |
| Q3 2023 | $301M | $287M |
| Q4 2023 | $308M | $287M |
| Q1 2024 | $308M | $282M |
| Q2 2024 | $314M | $291M |
| Q3 2024 | $337M | $313M |
| Q4 2024 | $330M | $306M |
| Q1 2025 | $321M | $298M |
| Q2 2025 | $321M | $298M |
| Q3 2025 | $335M | $309M |
| Q4 2025 | $342M | $314M |
| Q1 2026 | $331M | $308M |
Portfolio composition
Loan mix
| Category | Balance |
|---|---|
| Owner CRE | $9.37M |
| Investor CRE | $21.6M |
| Multifamily | $1.3M |
| Construction | $675K |
| 1–4 family | $46.2M |
| C&I | $24.5M |
| Agriculture | $102M |
| Other | $9.1M |
Peer comparison
How this bank compares
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.42%Median 1.22%90th 2.15%Observations 1,446
ROE
FDIC
NETINC + ROE19.17%86th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.97%Median 12.06%90th 20.86%Observations 1,446
NIM
FDIC
NIM + NIMY4.80%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 2.98%Median 3.83%90th 4.76%Observations 1,449
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.15%57th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 44.95%Median 62.41%90th 83.12%Observations 1,446
Deposits YoY
FDIC
DEP+3.26%44th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −2.49%Median +4.15%90th +13.95%Observations 1,446
Loans YoY
FDIC
LNLSNET−2.71%11th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −3.18%Median +5.90%90th +17.62%Observations 1,442
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.23%23rd percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.42%90th 2.12%Observations 1,443
Leverage
FDIC
RBC1AAJ8.97%12th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.81%Median 10.64%90th 14.93%Observations 1,449
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.01%74th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.58%Median 2.44%90th 3.46%Observations 1,443
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 44%Median 170%90th 317%Observations 861
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%60th percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.33%Median 1.24%90th 2.01%Observations 228
ROE
FDIC
NETINC + ROE19.17%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 3.46%Median 12.43%90th 20.24%Observations 228
NIM
FDIC
NIM + NIMY4.80%91st percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.05%Median 3.91%90th 4.74%Observations 228
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.15%56th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.05%Median 61.69%90th 81.66%Observations 228
Deposits YoY
FDIC
DEP+3.26%48th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −4.44%Median +3.43%90th +14.87%Observations 226
Loans YoY
FDIC
LNLSNET−2.71%17th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −5.13%Median +4.83%90th +18.37%Observations 226
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.23%28th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.00%Median 0.42%90th 2.54%Observations 226
Leverage
FDIC
RBC1AAJ8.97%22nd percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.48%Median 10.25%90th 14.29%Observations 228
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.01%64th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.44%Median 2.26%90th 3.39%Observations 226
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 11%Median 95%90th 258%Observations 167
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Lower displayed standingPeer medianHigher displayed standing
ROA
FDIC
NETINC + ROA1.38%63rd percentileToggle ROA distribution
Distribution histogram for ROA, with this bank marked when a value is reported.
10th 0.44%Median 1.18%90th 1.89%Observations 69
ROE
FDIC
NETINC + ROE19.17%85th percentileToggle ROE distribution
Distribution histogram for ROE, with this bank marked when a value is reported.
10th 4.73%Median 13.57%90th 19.68%Observations 69
NIM
FDIC
NIM + NIMY4.80%94th percentileToggle NIM distribution
Distribution histogram for NIM, with this bank marked when a value is reported.
10th 3.16%Median 3.74%90th 4.48%Observations 69
Efficiency
FDIC
NONIX + NIM + NONII + EEFFR60.15%57th percentileToggle Efficiency distribution
Distribution histogram for Efficiency, with this bank marked when a value is reported.
10th 48.80%Median 62.25%90th 81.61%Observations 69
Deposits YoY
FDIC
DEP+3.26%46th percentileby valueToggle Deposits YoY distribution
Distribution histogram for Deposits YoY, with this bank marked when a value is reported.
10th −3.05%Median +3.94%90th +16.93%Observations 69
Loans YoY
FDIC
LNLSNET−2.71%13th percentileby valueToggle Loans YoY distribution
Distribution histogram for Loans YoY, with this bank marked when a value is reported.
10th −2.91%Median +4.95%90th +24.76%Observations 69
Noncurrent %
FDIC
P9ASSET + NAASSET + LNLSGR1.23%26th percentileToggle Noncurrent % distribution
Distribution histogram for Noncurrent %, with this bank marked when a value is reported.
10th 0.01%Median 0.48%90th 1.67%Observations 69
Leverage
FDIC
RBC1AAJ8.97%24th percentileToggle Leverage distribution
Distribution histogram for Leverage, with this bank marked when a value is reported.
10th 8.63%Median 9.78%90th 11.76%Observations 69
Well-capitalized threshold (12 CFR 6.4 / 208.43 / 324.403) is shown as a supervisory screening criterion, not a limit or violation.
IB deposit cost
FDIC
EINTEXP + DEPIDOM2.01%76th percentileToggle IB deposit cost distribution
Distribution histogram for IB deposit cost, with this bank marked when a value is reported.
10th 1.73%Median 2.45%90th 3.60%Observations 69
CRE/capital
FDIC
LNRENROT + LNREMULT + LNRECONS + RBCToggle CRE/capital distribution
Distribution histogram for CRE/capital, with this bank marked when a value is reported.
10th 68%Median 174%90th 309%Observations 52
Interagency CRE supervisory criterion (FIL-104-2006) is shown as a supervisory screening criterion, not a limit or violation. The 300% total-CRE criterion is considered with 50% growth over the prior 36 months.
Whiskers show the 10th–90th percentile, the box shows the middle half, and the dot marks this bank. Favorable-direction metrics are oriented using registry polarity; neutral metrics are ordered from lower to higher reported value and carry no favorable interpretation.
Branches & markets
Physical footprint
- Domestic offices
- 3 branches
- Headquarters
- Pierz, MN
FDIC
OFFDOMOpen the Minnesota dashboard →History
Institution established
Filings
Q1 2026 Call Report
Q4 2025 Call Report
Q3 2025 Call Report
Q2 2025 Call Report
Public data, presented without a proprietary bank rating.FDIC source data