Vitals
  • Total Assets
    28.5M -1.6 %
  • Total Deposits
    25.4M -1.7 %
  • Total Net Loans
    16.4M 7.1 %
  • Net Income
    136000.0000 -6.2 %
  • Book Value
    2.9M 1.1 %
  • Book Value x2
    5.9M 1.1 %
  • Book Value x3
    8.8M 1.1 %
ROAA

.482

ROAE

4.581

Efficiency Ratio

78.636

Net Interest Margin

3.995

Balance Sheet Highlights
Financial Highlights The Farmers And Merchants State Bank All Insured Commercial Banks in South Dakota
Balance Sheet $(000)
Total Assets 28,466 288,102
Total Net Loans 16,362 198,161
Total Deposits 25,443 243,793
Total Equity 2,940 35,439
Profitability
Net Income 136 3,749
Return on Average Assets .482 1.217
Return on Average Equity 4.581 10.279
Net Interest Margin 3.995 3.975
Efficiency Ratio 78.636 60.916
Noninterest Income/Revenue 6.349 21.874
Balance Sheet Ratios
Loan-to-Deposit 64.309 76.007
Securities/Assets .189 .161
Total Equity/Total Assets .103 .123
Tangible Equity/Tangible Assets .103 .119
Capital Adequacy
Tier 1 Common Capital 2,887 34,164
Tier 1 Capital 2,887 34,343
Tier 2 Capital 167 2,558
Total Capital 3,054 36,899
Total Risk Weighted Assets 20,439 225,553
Leverage Ratio 10.38 11.18
Common Equity Tier 1 Capital Ratio 14.13 15.765
Tier 1 Capital Ratio 14.13 15.791
Total Capital Ratio 14.94 16.885

Timeline for The Farmers And Merchants State Bank

Scotland Holding Company

Scotland Holding Company became a new parent organization for The Farmers And Merchants State Bank.

View Profile Jan 19 1983

The Farmers And Merchants State Bank

The Farmers And Merchants State Bank was established 90 years ago and is currently headquartered in Scotland, SD.

Mar 06 1934
Relationships Role Relationship Start Relationship End
Scotland Holding Company Parent 9/10/2014
Scotland Holding Company Parent 6/27/2012 9/9/2014
Scotland Holding Company Parent 12/7/2004 6/26/2012
Scotland Holding Company Parent 8/21/1998 12/6/2004
Scotland Holding Company Parent 6/3/1994 8/20/1998
Scotland Holding Company Parent 1/19/1983 6/2/1994
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