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.

Compiled from official public sources by the publisher.
$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.

FDIC Call Report plate

Cert 10165 · MN B · 66/100

GRADE-B · LOWER-Q · PHOTO-FINISH · TIER1-ADEQ · TEXAS-CLEAN · ROA-STRONG · SIZE-MID · BOOK-FULL

  • GRADE-B B (66/100)
  • LOWER-Q #3430/4307
  • PHOTO-FINISH The Goose River Bank · ND
  • TIER1-ADEQ 9.9% Tier 1
  • TEXAS-CLEAN 10.0% Texas
  • ROA-STRONG 1.38% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Minnesota: The Goose River Bank, ND (±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 State Bank of P…

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

Morgan Stanley Bank,… · UT ·…100/100Farmers and Merchant… · MN ·…66/100Federated Bank · IL · near66/100State Bank of Table… · NE · …66/100The Goose River Bank · ND · …66/100The Kansas State Bank · KS ·…66/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Merchants State Bank of P… · July 2026

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

Farmers and Merchants State Bank of Pierz (FDIC Cert #10165) carries a PlainBankData health grade of B at 66/100, 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 #3,430 of 4,307. Tier 1 capital prints at 9.93%, missing the 10% well-capitalized line. The Texas Ratio is 10.00%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.38%. Balance-sheet scale is $342M, 2,312th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Goose River Bank (ND), 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 State Bank of P…

24 FAILURE resolutions in Minnesota since 2000, heavy vs the state corpus

Farmers and Merchants State Bank of Pierz sits in one of the heavier post-2000 FAILURE states (24 resolutions; latest year 2014). The list below is state history from the Failed Bank List, not a claim about Farmers and Merchants State Bank of Pierz's current Call Report.

  • NORTHERN STAR BANK MANKATO, MN 2014 → BANKVISTA
  • 1ST REGENTS BANK ANDOVER, MN 2013 → FIRST MINNESOTA BANK
  • FIRST COMMERCIAL BANK BLOOMINGTON, MN 2012 → REPUBLIC BANK & TRUST COMPANY

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

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.

0/100100/100National avg77/10066/100
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 Assets

$342M

Total balance-sheet footings

Total Deposits

$314M

Customer-funded liabilities

Net Loans

$211M

Outstanding loan book

Net Income

$5M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 8.53% 9.93% 11.33%
Basel III capital ratios - Farmers and Merchants State Bank of Pierz

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: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

66 20th percentile higher than 20% 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%). This entry sits in this band. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Merchants State Bank of P… 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 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.

Capital & credit buffers at Farmers and Merchants State Bank of P…

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

What these ratios mean →

Earnings posture at Farmers and Merchants State Bank of P…

Return on Assets (ROA)
68th percentile nationally
1.38%
Return on Equity (ROE)
20.36%
Efficiency Ratio
57.42%

What these mean →

Income & expense at Farmers and Merchants State Bank of P…

$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.

FDIC Failed Bank List → View Farmers and Merchants State Bank of Pierz on FDIC BankFind →

Top banks in Minnesota by total assets

Largest banks headquartered in Minnesota
  1. 1
    Ameriprise Bank, FSB $25.3B

    Minneapolis, MN · Grade A

  2. 2
    Bridgewater Bank $5.4B

    Saint Louis Park, MN · Grade A

  3. 3
    Frandsen Bank & Trust $3.7B

    Lonsdale, MN · Grade A

  4. 4
    Stearns Bank $3.3B

    Saint Cloud, MN · Grade A

  5. 5
    Minnwest Bank $3.0B

    Redwood Falls, MN · Grade B

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

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($342M here), outside Minnesota so the neighborhood is not state containment.

Community State Bank $343M · IA Frontier Bank $342M · SD Union Bank & Trust Company $343M · AR Flatwater Bank $342M · NE

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.

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

Other banks in Minnesota

All Minnesota banks →
BankAssetsGradeROA
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%