First Farmers & Merchants Bank

BankCannon Falls, Minnesota
www.ffmbank.com

Total Assets

$489.6M

Total Deposits

$441.8M

Branches

7

Established

1915

TFS Health Grade

$
C

74.7 / 100

Average financial health

How we grade

First Farmers & Merchants Bank is a bank headquartered in Cannon Falls, Minnesota, established in 1915. With $489.6M in total assets and 7 branch locations, it has a TFS Financial Health Grade of C (74.7/100).

Capital & Safety

Tier 1 Capital Ratio
9.44%(8%)
Total Capital Ratio
14.51%(10%)
Non-Performing Loan Ratio
0.01%

Profitability

Return on Assets (ROA)
1.03%(1%)
Return on Equity (ROE)
12.21%(10%)
Net Interest Margin
3.91%
Efficiency Ratio
51.27%(60%)

Lending & Liquidity

Total Loans
$293.8M
Loan-to-Deposit Ratio
65.84%
Net Charge-Off Ratio
-0.00%

Growth

Asset Growth (YoY)
+7.71%
Deposit Growth (YoY)
+6.35%
Net Income
$4.8M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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