Farmers & Merchants Bank & Trust is a bank based in Burlington, Iowa, established in 1916, with $211 million in total assets across 4 branches. By Trust Grade it ranks 186th of 226 banks we track in Iowa. Its capital ratio of 8.1% trails most similarly sized banks (17th percentile), versus a Iowa median of 10.2%. It was profitable over the most recent period, with a 0.99% return on assets. No consumer complaints against Farmers & Merchants Bank & Trust appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers & Merchants Bank & Trust compares to Iowa peers
How we graded Farmers & Merchants Bank & Trust
The Trust Grade blends financial strength with complaint history. Full methodology →
- Well-capitalized (8.1% capital ratio)
- Profitable (ROA 0.99%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank & Trust over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (4)
- 109 West Mt. Pleasant Street, W. Burlington, IA 52655
- 125 N 4th St, Burlington, IA 52601
- 101 Broadway St, West Burlington, IA 52655
- 221 Jefferson St, Burlington, IA 52601
Are deposits at Farmers & Merchants Bank & Trust insured?
Yes. Farmers & Merchants Bank & Trust is an FDIC-insured bank (FDIC certificate #13737). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
Farmers & Merchants Bank & Trust: frequently asked questions
Is Farmers & Merchants Bank & Trust a good bank?
Farmers & Merchants Bank & Trust earns a Bankzia Trust Grade of A (91/100, "Excellent"), based on a financial-strength score of 91/100 (it has no CFPB complaints on record). Well-capitalized (8.1% capital ratio); Profitable (ROA 0.99%).
Is Farmers & Merchants Bank & Trust FDIC-insured?
Yes. Farmers & Merchants Bank & Trust is a FDIC-insured bank (FDIC certificate #13737). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank & Trust?
Farmers & Merchants Bank & Trust holds $211 million in total assets, ranking 186th of 226 banks we track in Iowa. It operates 4 branches.
Does Farmers & Merchants Bank & Trust have CFPB complaints?
No CFPB complaints against Farmers & Merchants Bank & Trust appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
