Total Assets
$342M
Total balance-sheet footings
FDIC Cert #10165 · Pierz, Minnesota · Est. 1908
Farmers and Merchants State Bank of Pierz - FDIC Bank Health Profile
A community-scale look at Farmers and Merchants State Bank of Pierz's own numbers, pulled straight from its quarterly FDIC Call Report.
- $342M
- Total assets
- B
- Health grade · Good
- 1.38%
- Return on assets
- 9.9%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers and Merchants State Bank of Pierz earns a PlainBankData health grade of B (66/100), with 9.93% Tier 1 capital, profitable at 1.38% ROA, efficient (57% cost ratio).
- #2,312
- largest of 4,313 FDIC banks by assets
- 46th
- percentile by asset size, nationally
- 9.93%
- Tier 1 ratio - below the 10% well-capitalized line
- 68th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Farmers and Merchants State Bank of Pierz's 66/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers and Merchants State Bank of Pierz's composite health score
Tier 1 Capital Ratio (9.93%) 18/40
Return on Assets (ROA) (1.38%) 20/25
Texas Ratio (10.00%) 16/20
Efficiency Ratio (57.42%) 12/15
66 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$314M
Customer-funded liabilities
Net Loans
$211M
Outstanding loan book
Net Income
$5M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers and Merchants State Bank of Pierz ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants State Bank of Pierz's score of 66/100 falls in the highlighted band.
Farmers and Merchants State Bank of Pierz'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 State Bank of Pierz's $342M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
9.93% of risk-weighted assets - below the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
9.93%
Texas Ratio
10.00%
Equity Capital
$27M
Profitability metrics
Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
20.36%
Efficiency Ratio
57.42%
What the numbers say about Farmers and Merchants State Bank of Pierz
Farmers and Merchants State Bank of Pierz is an FDIC-insured institution (Certificate #10165) headquartered in Pierz, Minnesota, established in 1908. It holds $342M in total assets - 2,312th of 4,313 FDIC-insured banks, $314M in customer deposits, and $211M in net loans. Looking at capital strength, Tier 1 stands at 9.93%, under the 10% well-capitalized line regulators set, while the Texas Ratio comes in at 10.00%, comfortably below the 50% caution mark. It earns a PlainBankData health grade of B (66/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
Within Minnesota, Farmers and Merchants State Bank of Pierz ranks 74th of 227 FDIC-insured banks by asset size -- a mid-sized institution, neither among the state's largest nor its smallest.
Income & expense breakdown
$19M
Interest Income
$1M
Non-Interest Income
$9M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants State Bank of Pierz reports a Texas Ratio of 10.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
10.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Minnesota by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants State Bank of Pierz (FDIC Cert #10165) - 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.
Other banks in Minnesota
All Minnesota banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Ameriprise Bank, FSBMinneapolis | $25.3B | A | 3.08% |
| Bridgewater BankSaint Louis Park | $5.4B | A | 0.99% |
| Frandsen Bank & TrustLonsdale | $3.7B | A | 1.48% |
| Stearns Bank National AssociationSaint Cloud | $3.3B | A | 1.85% |
| Minnwest BankRedwood Falls | $3.0B | B | 0.92% |
| Merchants Bank, National AssociationWinona | $2.9B | A | 1.23% |
| Tradition Capital BankWayzata | $2.6B | B | 0.71% |
| Think Mutual BankRochester | $2.2B | B | 0.61% |
Frequently asked questions
What is Farmers and Merchants State Bank of Pierz's health grade?▼
Farmers and Merchants State Bank of Pierz receives a health grade of B (66/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Farmers and Merchants State Bank of Pierz?▼
Farmers and Merchants State Bank of Pierz holds $342M in total assets and $314M in deposits, ranking 2,312th of 4,313 FDIC-insured banks by asset size. It is headquartered in Pierz, Minnesota.
Is my money safe at Farmers and Merchants State Bank of Pierz?▼
Yes, deposits at Farmers and Merchants State Bank of Pierz (Certificate #10165) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants State Bank of Pierz's Tier 1 Capital Ratio?▼
Farmers and Merchants State Bank of Pierz has a Tier 1 Capital Ratio of 9.93%. The federal "well-capitalized" threshold is 10%. This bank meets the minimum 6% "adequately capitalized" standard.
What is the Texas Ratio for Farmers and Merchants State Bank of Pierz?▼
Farmers and Merchants State Bank of Pierz has a Texas Ratio of 10.00%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants State Bank of Pierz?▼
Farmers and Merchants State Bank of Pierz has an Efficiency Ratio of 57.42%. Below 60% is considered efficient, the bank converts a strong share of revenue into profit. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants State Bank of Pierz's profile as a depositor or analyst.
- Farmers and Merchants State Bank of Pierz's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants State Bank of Pierz against other Minnesota banks before moving funds. Minnesota banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.