FM Bank
220 Elm Ave E, Waseca, MN 56093
Financial Overview
Financial Health Analysis
FM Bank is a currently active agricultural specialization banking institution headquartered in Waseca, Minnesota. Established in 01/01/1878, this institution operates under regulatory supervision and is fully insured by the FDIC.
As a financial institution, FM Bank manages $702.6M in total assets and holds $626.6M in customer deposits. When evaluating the stability of FM Bank, one of the most critical metrics is its Capital Cushion (Equity-to-Assets Ratio). At 7.96%, 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 1.43%, while its Return on Equity (ROE) sits at 18.21%. These robust metrics contribute to an overall health score of 9.2 out of 10, signaling a well-capitalized and efficiently managed operation that effectively balances risk and shareholder return.
Risk & Growth Profiles
✓ Clean Regulatory Record
No recent history of FDIC conservatorship or financial failure.
Deposit Momentum
$104.4M avg deposits per branch.
Measures how much capital the bank holds against its physical footprint. A higher ratio indicates a highly liquid, lower-overhead lending profile.