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FARMERS AND MERCHANTS STATE BANK

WINTERSET, IA · Supervised by FDIC

Est. 1938FDIC #15,610RSSD: FDIC-15610
Satisfactory

Current rating · Exam: April 2025

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Institution Profile

FDIC BankFind

Address

101 W Jefferson St, WINTERSET, IA

County

Madison County

Established

August 11, 1938

Total Assets

$265M(latest call report)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$265M

Total Deposits

$236M

Net Loans

$161M

Net Income

$747K

ROA

1.12%

ROE

11.47%

Risk-Based Capital

16.67%

Total Assets — Last 8 Quarters

Total AssetsROA

Current Examination

CRA / FFIEC

Overall Rating

Satisfactory

Exam Date

April 1, 2025

Exam Type

Small Bank

Regulator

FDIC

Rating History

CRA / FFIEC

9 previous ratings locked — dating back to 1990

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance
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