FDIC Cert #14024 · Mound City, Kansas · Est. 1893

Farmers and Merchants Bank of Mound City, Kansas - FDIC Bank Health Profile

A community-scale look at Farmers and Merchants Bank of Mound City, Kansas's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$58M
Total assets
B
Health grade · Good
1.04%
Return on assets
12.7%
Tier 1 capital

Data updated July 2026

The verdict

Farmers and Merchants Bank of Mound City, Kansas earns a PlainBankData health grade of B (79/100), with well-capitalized at 12.71% Tier 1, profitable at 1.04% ROA, 72% efficiency ratio.

#4,071
largest of 4,313 FDIC banks by assets
6th
percentile by asset size, nationally
12.71%
Tier 1 ratio - above the 10% well-capitalized line
46th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 14024 · KS B · 79/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-CLEAN · ROA-PAR · SIZE-COMMUNITY · BOOK-FULL

  • GRADE-B B (79/100)
  • MID-PACK #2141/4307
  • PHOTO-FINISH The Farmers and Merc… · SD
  • TIER1-WELL 12.7% Tier 1
  • TEXAS-CLEAN 0.4% Texas
  • ROA-PAR 1.04% ROA
  • SIZE-COMMUNITY <$100M
  • BOOK-FULL 9/9 fields

Nearest health peer outside Kansas: The Farmers and Merchants State Bank, SD (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers and Merchants Bank of Mound C…

Lowest and highest poles plus nearest scored peers outside Kansas, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank · MO · near79/100Exchange Bank and Tr… · OK ·…79/100Farmers and Merchant… · KS ·…79/100GNB Bank · IA · near79/100The Farmers and Merc… · SD ·…79/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Merchants Bank of Mound C… · July 2026

Call Report read for Farmers and Merchants Bank of Mound C… in a high-failure state

Farmers and Merchants Bank of Mound City, Kansas (FDIC Cert #14024) carries a PlainBankData health grade of B at 79/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,141 of 4,307. Tier 1 capital prints at 12.71%, clearing the 10% well-capitalized line. The Texas Ratio is 0.44%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.04%. Balance-sheet scale is $58M, 4,071st of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Farmers and Merchants State Bank (SD), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers and Merchants Bank of Mound C…

12 FAILURE resolutions in Kansas since 2000, heavy vs the state corpus

Farmers and Merchants Bank of Mound City, Kansas sits in one of the heavier post-2000 FAILURE states (12 resolutions; latest year 2023). The list below is state history from the Failed Bank List, not a claim about Farmers and Merchants Bank of Mound City, Kansas's current Call Report.

  • HEARTLAND TRI-STATE BANK ELKHART, KS 2023 → DREAM FIRST BANK,NATIONAL ASSOCIATION
  • ALMENA STATE BANK ALMENA, KS 2020 → EQUITY BANK
  • THE FARMERS AND MERCHANTS STATE BANK OF ARGONIA ARGONIA, KS 2017 → CONWAY BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Kansas banks.

How Farmers and Merchants Bank of Mound City, Kansas's 79/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10079/100
Farmers and Merchants Bank of Mound City, Kansas's composite health score
Tier 1 Capital Ratio (12.71%) 35/40
Return on Assets (ROA) (1.04%) 20/25
Texas Ratio (0.44%) 20/20
Efficiency Ratio (71.67%) 4/15

79 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$58M

Total balance-sheet footings

Total Deposits

$53M

Customer-funded liabilities

Net Loans

$37M

Outstanding loan book

Net Income

$609K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 11.31% 12.71% 14.11%
Basel III capital ratios - Farmers and Merchants Bank of Mound City, Kansas

Where Farmers and Merchants Bank of Mound City, Kansas ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Bank of Mound City, Kansas's score of 79/100 falls in the highlighted band.

Farmers and Merchants Bank of Mound City, Kansas: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

79 Top 50% higher than 50% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Merchants Bank of Mound C… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers and Merchants Bank of Mound City, Kansas's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Bank of Mound City, Kansas's $58M falls in the highlighted band.

Capital & credit buffers at Farmers and Merchants Bank of Mound C…

Tier 1 capital ratio
Well-capitalized 10%

12.71% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.71%
Texas Ratio
0.44%
Equity Capital
$4M

What these ratios mean →

Earnings posture at Farmers and Merchants Bank of Mound C…

Return on Assets (ROA)
46th percentile nationally
1.04%
Return on Equity (ROE)
16.29%
Efficiency Ratio
71.67%

What these mean →

Income & expense at Farmers and Merchants Bank of Mound C…

$3M
Interest Income
$85K
Non-Interest Income
$2M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Bank of Mound City, Kansas reports a Texas Ratio of 0.44% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.

Texas Ratio
Caution 50%

0.44% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View Farmers and Merchants Bank of Mound City, Kansas on FDIC BankFind →

Top banks in Kansas by total assets

Largest banks headquartered in Kansas
  1. 1
    Capitol Federal Savings Bank $9.8B

    Topeka, KS · Grade C

  2. 2
    Intrust Bank $7.0B

    Wichita, KS · Grade B

  3. 3
    Equity Bank $6.3B

    Andover, KS · Grade B

  4. 4
    Security Bank of Kansas City $3.8B

    Kansas City, KS · Grade A

  5. 5
    Fidelity Bank $3.3B

    Wichita, KS · Grade B

Top 5 banks in Kansas ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($58M here), outside Kansas so the neighborhood is not state containment.

State Bank of Scotia $58M · NE Camp Grove State Bank $58M · IL Citizens State Bank of Milford $58M · IL The First National Bank of Brownstown $58M · IL

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Bank of Mound City, Kansas (FDIC Cert #14024) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers and Merchants Bank of Mound City, Kansas Call Report profile · FDIC Failed Bank List · Kansas FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Kansas

All Kansas banks →
BankAssetsGradeROA
Capitol Federal Savings BankTopeka $9.8B C 0.76%
Intrust Bank, National AssociationWichita $7.0B B 1.20%
Equity BankAndover $6.3B B 0.55%
Security Bank of Kansas CityKansas City $3.8B A 1.37%
Fidelity Bank, National AssociationWichita $3.3B B 0.99%
Emprise BankWichita $2.8B B 1.32%
KS StateBankManhattan $2.6B A 1.69%
Community National Bank & TrustChanute $2.5B B 0.96%