Farmers and Merchants State Bank (IA)

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.40%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.35%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.15%	Savings	Savings Account 1.00% - Ally Bank Online Savings Account

View all Farmers and Merchants State Bank (IA) rates »

Overview / Commentary

www.fmsbiowa.com

515-462-4242

101 West Jefferson
Winterset, IA 50273

Farmers and Merchants State Bank (IA) is headquartered in Winterset and is the 108^th largest bank in the state of Iowa. It is also the 3,060^th largest bank in the nation. It was established in 1938 and as of June of 2016, it had grown to 36 employees at 4 locations. Farmers and Merchants State Bank (IA) has an A+ health rating.

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Health

A+

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	15610
Year Established	1938
Employees	36
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.06%
Return on Equity - YTD	8.88%
Annual Interest Income	$3.3MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$193.3MM$176.1MM
Loans	Q2 2016vs Q2 2015	$105.5MM$106.2MM
Deposits	Q2 2016vs Q2 2015	$163.5MM$145.1MM
Equity Capital	Q2 2016vs Q2 2015	$23.3MM$21.6MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$1.2MM$1.2MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$32.00K$81.00K
Real Estate Owned	Q2 2016vs Q2 2015	$0$86.00K

Rates

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Farmers and Merchants State Bank (IA) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.40%	-	-	Money Tree Savings Account
0.15%^*	$5k^*	-	Savings Account
OTHER TIERS: 0.10% → Up to $5k
0.15%^*	$5k^*	-	Christmas Club
OTHER TIERS: 0.10% → Up to $5k

Farmers and Merchants State Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.20%^*	$25k^*	-	Money Market Savings Account
OTHER TIERS: 0.10% → Up to $5k \| 0.15% → $5k - $25k

Farmers and Merchants State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.05%	-	-	Now Account

Farmers and Merchants State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%^*	$10k^*	-	60 Month CD
OTHER TIERS: 1.25% → $1k - $10k
1.25%^*	$10k^*	-	48 Month CD
OTHER TIERS: 1.00% → $1k - $10k
0.90%^*	$10k^*	-	36 Month CD
OTHER TIERS: 0.55% → $1k - $10k
0.60%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.45% → $1k - $10k
0.55%	$250	-	36 Month Money Tree CD
0.50%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.35% → $1k - $10k
0.35%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.25% → $1k - $10k
0.20%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.05% → $1k - $10k

Farmers and Merchants State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.40%	$1k	-	60 Month IRA
0.75%	-	-	18 Month IRA
0.50%	$25	-	12 Month Roth IRA
0.50%	$25	-	12 Month CESA

Locations

Farmers and Merchants State Bank (IA) Locations
Farmers and Merchants State Bank	101 West Jefferson	Winterset, IA 50273
Orient Branch	114 South Broad Street	Orient, IA 50858
St Charles Branch	317 East Main Street	Saint Charles, IA 50240
Motor Branch	722 North First Street	Winterset, IA 50273