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Farmers and Merchants State Bank (IA)

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CURRENT TOP RATE

36 Month Money Tree CD

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 118^th largest bank in the state of Iowa. It is also the 2,903^rd largest bank in the nation. It was established in 1938 and as of December of 2019, it had grown to 35 employees at 4 locations. Farmers and Merchants State Bank (IA) has an A health rating.

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2018

1/4 - 24-Month CD 2.18% APY

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Health

A

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	15610
Year Established	1938
Employees	35
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.18%
Return on Equity - YTD	11.97%
Annual Interest Income	$7.5MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$197.1MM$197.1MM
Loans	Q4 2019vs Q4 2018	$119.8MM$114.5MM
Deposits	Q4 2019vs Q4 2018	$172.8MM$173.8MM
Equity Capital	Q4 2019vs Q4 2018	$19.5MM$18.5MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$1.3MM$1.2MM
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$35.00K$0
Real Estate Owned	Q4 2019vs Q4 2018	$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

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%	-	-	Money Tree Savings
0.05%	-	-	Savings Account
0.05%	-	-	Christmas Club
0.05%	-	-	Business Savings Account

Farmers and Merchants State Bank (IA) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.15%^*	$25k^*	-	Money Market Savings
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $25k
0.15%^*	$25k^*	-	Business Money Market Savings
OTHER TIERS: 0.05% → Up to $2.5k \| 0.10% → $2.5k - $25k

Farmers and Merchants State Bank (IA) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.03%	-	-	Now Account

Farmers and Merchants State Bank (IA) CD Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	$250	-	36 Month Money Tree CD
1.25%	$1k	-	60 Month CD
1.15%	$1k	-	48 Month CD
1.00%	$1k	-	24 Month CD
1.00%	$1k	-	36 Month CD
0.75%	$1k	-	18 Month CD
0.50%	$1k	-	12 Month CD
0.25%	$1k	-	6 Month CD

Farmers and Merchants State Bank (IA) IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.25%	$1k	-	60 Month IRA
0.75%	$10	-	18 Month IRA
0.25%	$25	-	12 Month Roth IRA
0.25%	$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

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