2. Farmers and Merchants State Bank (IA)

Farmers and Merchants State Bank (IA)

Popular Accounts at this Bank

APYACCOUNT TYPEHOW THEY COMPARE
2.25%5-year CD
3.00% - Goldman Sachs Bank USA High-yield 5 Year CDAdvertisement
1.00%1-year CD
2.70% - Goldman Sachs Bank USA High-yield 12 Month CDAdvertisement
0.25%Savings
2.20% - Barclays Online Savings AccountAdvertisement
View all Farmers and Merchants State Bank (IA) rates »

Overview / Commentary
www.fmstate.bank
515-462-4242
101 West Jefferson
Winterset, IA 50273

Farmers and Merchants State Bank (IA) is headquartered in Winterset and is the 112th largest bank in the state of Iowa. It is also the 2,929th largest bank in the nation. It was established in 1938 and as of December of 2018, it had grown to 35 employees at 4 locations. Farmers and Merchants State Bank (IA)'s CD rates are 11% higher than the national average, and it has a B+ health rating.

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Health
B+

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #15610
Year Established1938
Employees35
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.2%
Return on Equity - YTD12.9%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$197.1MM$198.1MM
LoansQ4 2018vs Q4 2017$114.5MM$111.5MM
DepositsQ4 2018vs Q4 2017$173.8MM$174.0MM
Equity CapitalQ4 2018vs Q4 2017$18.5MM$17.8MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.2MM$1.2MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$0$82.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers and Merchants State Bank (IA) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.45%--Money Tree Savings
0.25%*$5k*-Savings Account
OTHER TIERS: 0.20% → Up to $5k
0.25%*$5k*-Christmas Club
OTHER TIERS: 0.20% → Up to $5k

Farmers and Merchants State Bank (IA) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.35%*$25k*-Money Market Savings
OTHER TIERS: 0.25% → Up to $5k | 0.30% → $5k - $25k

Farmers and Merchants State Bank (IA) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.15%--Now Account

Farmers and Merchants State Bank (IA) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.65%$1k-24 Month CD
2.50%$250-36 Month Money Tree CD
2.25%*$10k*-60 Month CD
OTHER TIERS: 2.00% → $1k - $10k
2.00%$1k-36 Month CD
2.00%*$10k*-48 Month CD
OTHER TIERS: 1.75% → $1k - $10k
1.25%$1k-18 Month CD
1.00%$1k-12 Month CD
0.75%$1k-6 Month CD

Farmers and Merchants State Bank (IA) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
2.25%$1k-60 Month IRA
0.75%$10-18 Month IRA
0.60%$25-12 Month Roth IRA
0.60%$25-12 Month CESA
Locations


Farmers and Merchants State Bank (IA) Locations
Farmers and Merchants State Bank101 West JeffersonWinterset, IA 50273
Orient Branch114 South Broad StreetOrient, IA 50858
St Charles Branch317 East Main StreetSaint Charles, IA 50240
Motor Branch722 North First StreetWinterset, IA 50273

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