First Farmers & Merchants National Bank

First Farmers & Merchants National Bank is a currently active agricultural specialization banking institution headquartered in Luverne, Minnesota. Established in 01/01/1931, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Farmers & Merchants National Bank manages $249.0M in total assets and holds $221.4M in customer deposits. When evaluating the stability of First Farmers & Merchants National Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 9.85%, this indicates how much financial loss the bank can absorb before depositors' funds are placed at risk. A strong equity cushion is a key indicator of a bank's ability to weather economic downturns.

In terms of operational efficiency, the bank's Return on Assets (ROA) is 1.14%, while its Return on Equity (ROE) sits at 11.38%. These robust metrics contribute to an overall health score of 9.9 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.