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BDI
FM

Farmers and Merchants State Bank of Pierz

Pierz, MinnesotaFDIC Cert #10165

STATEEstablished 19083 branches

Holding company: FARMERS&MERCHANTS AGENCY INCRegulator: FDIC

FDICCERT + OFFDOM

Delinquency, loss & reserves

Credit

Early-stage delinquency, nonaccruals, realized loss, and allowance coverage from reported filings.

As of Q1 2026

Problem credits

Reported delinquent and nonperforming exposures, shown as balances and ratios.

30–89 %
0.09%
−89.8%y/y
Peer standing82nd percentile
Peer standing in asset:300m_1b
FDICP3ASSET + LNLSGR
90+ %
0.00%
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + LNLSGR
Nonaccrual %
1.23%
Peer standing20th percentile
Peer standing in asset:300m_1b
FDICNAASSET + LNLSGR
Noncurrent %
1.23%
+627.9%y/y
Peer standing23rd percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + LNLSGR
NPA/assets
0.80%
+586.3%y/y
Peer standing26th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE + ASSET
NPA
$2.64M
+608.6%y/y
Peer standing37th percentile
Peer standing in asset:300m_1b
FDICP9ASSET + NAASSET + ORE

Loss & allowance

Recognized charge-offs and the allowance held against the loan portfolio.

NCO rate
1.01%
Peer standing2nd percentile
Peer standing in asset:300m_1b
FDICNTLNLS + LNLSGR
NCO
$533K
Peer standing4th percentile
Peer standing in asset:300m_1b
FDICNTLNLS + DRLNLS + CRLNLS
ACL/loans
1.40%
+3.7%y/y
Percentile by value73rd percentileby value
Peer standing in asset:300m_1b
FDICLNATRES + LNLSGR
30–89
$183K
−90.1%y/y
Peer standing85th percentile
Peer standing in asset:300m_1b
FDICP3ASSET
90+
$0
−100.0%y/y
Peer standing100th percentile
Peer standing in asset:300m_1b
FDICP9ASSET
Nonaccrual
$2.64M
Peer standing30th percentile
Peer standing in asset:300m_1b
FDICNAASSET