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Farmers And Merchants State Bank Of Appleton

Appleton, MN · Est. 1915 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Farmers And Merchants State Bank Of Appleton is a bank based in Appleton, Minnesota, established in 1915, with $61 million in total assets across 1 branch. By Trust Grade it ranks 69th of 224 banks we track in Minnesota. Its capital ratio of 12.6% is stronger than 56% of similarly sized banks, versus a Minnesota median of 9.5%. It was profitable over the most recent period, with a 3.24% return on assets. No consumer complaints against Farmers And Merchants State Bank Of Appleton appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$61.2M
<$100M institution
Deposits
$53.3M
Branches
1
Capital ratio
12.6%
Top 44% of <$100M peers · Minnesota median 9.5%
Return on assets
3.2%
Top 3% of <$100M peers · Minnesota median 1.24%
Rank in Minnesota
#69
of 224 banks

How Farmers And Merchants State Bank Of Appleton compares to Minnesota peers

Capital ratio
Top 44% of <$100M peers
Farmers And
12.6%
Minnesota median
9.5%
Higher capital ratio = stronger financial cushion
Return on assets
Top 3% of <$100M peers
Farmers And
3.2%
Minnesota median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Farmers And Merchants State Bank Of Appleton

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (12.6% capital ratio)
  • Strongly profitable (ROA 3.24%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Farmers And Merchants State Bank Of Appleton over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (1)

  • 239 N Miles St, Appleton, MN 56208

Are deposits at Farmers And Merchants State Bank Of Appleton insured?

Yes. Farmers And Merchants State Bank Of Appleton is an FDIC-insured bank (FDIC certificate #8845). 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 And Merchants State Bank Of Appleton: frequently asked questions

Is Farmers And Merchants State Bank Of Appleton a good bank?

Farmers And Merchants State Bank Of Appleton earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (12.6% capital ratio); Strongly profitable (ROA 3.24%).

Is Farmers And Merchants State Bank Of Appleton FDIC-insured?

Yes. Farmers And Merchants State Bank Of Appleton is a FDIC-insured bank (FDIC certificate #8845). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Farmers And Merchants State Bank Of Appleton?

Farmers And Merchants State Bank Of Appleton holds $61 million in total assets, ranking 69th of 224 banks we track in Minnesota. It operates 1 branch.

Does Farmers And Merchants State Bank Of Appleton have CFPB complaints?

No CFPB complaints against Farmers And Merchants State Bank Of Appleton appear in our data over the analysis window, which is typical for a bank of this size.

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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.

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