First Farmers & Merchants Bank

First Farmers & Merchants Bank is a currently active agricultural specialization banking institution headquartered in Cannon Falls, Minnesota. Established in 06/21/1915, this institution operates under regulatory supervision and is fully insured by the FDIC.

As a financial institution, First Farmers & Merchants Bank manages $473.5M in total assets and holds $426.0M in customer deposits. When evaluating the stability of First Farmers & Merchants Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 8.72%, 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 1.18%, while its Return on Equity (ROE) sits at 13.57%. These robust metrics contribute to an overall health score of 9.5 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.