Farmers and Merchants State Bank of Pierz (FDIC certificate #10165) is based in Pierz, Minnesota. Its Q2 2026 call report shows $336.2M in total assets and $308.5M in deposits and 3 offices.
Farmers and Merchants State Bank of Pierz has a TellerScore of 69 out of 100 (moderate) based on Q2 2026 data — higher than only 40% of its 2,650 banks with $100 million – $1 billion. Among 223 banks headquartered in Minnesota, it ranks 113th. Funding & liquidity contributes the most (90/100, 71% loans-to-deposits, 13% uninsured); capital cushion contributes the least (43/100, 9.28%).
TellerScore · Q2 2026
Scorecard
The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.
9 quarters
Health trend
From Q2 2025 to Q2 2026, the score rose 2 points (67 → 69), mostly because the earnings component improved by 18 points.
Show as table
| Quarter | TellerScore |
|---|---|
| Q2 2024 | 79 |
| Q3 2024 | 74 |
| Q4 2024 | 79 |
| Q1 2025 | 69 |
| Q2 2025 | 67 |
| Q3 2025 | 64 |
| Q4 2025 | 65 |
| Q1 2026 | 63 |
| Q2 2026 | 69 |
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| Quarter | Tier 1 leverage ratio |
|---|---|
| Q2 2024 | 10.48% |
| Q3 2024 | 9.86% |
| Q4 2024 | 9.83% |
| Q1 2025 | 9.81% |
| Q2 2025 | 10.15% |
| Q3 2025 | 9.75% |
| Q4 2025 | 9.93% |
| Q1 2026 | 8.97% |
| Q2 2026 | 9.28% |
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| Quarter | Noncurrent loans |
|---|---|
| Q2 2024 | 0.04% |
| Q3 2024 | 0.45% |
| Q4 2024 | 0.06% |
| Q1 2025 | 0.17% |
| Q2 2025 | 1.18% |
| Q3 2025 | 1.30% |
| Q4 2025 | 1.39% |
| Q1 2026 | 1.23% |
| Q2 2026 | 1.03% |
Show as table
| Quarter | Return on assets |
|---|---|
| Q2 2024 | 1.39% |
| Q3 2024 | 1.45% |
| Q4 2024 | 1.57% |
| Q1 2025 | 0.53% |
| Q2 2025 | 1.28% |
| Q3 2025 | 1.19% |
| Q4 2025 | 1.38% |
| Q1 2026 | 1.38% |
| Q2 2026 | 1.74% |
| Quarter | Score | Assets | Capital | Problem loans | ROA | Loans/deposits |
|---|---|---|---|---|---|---|
| Q2 2026 | 69 | $336.2M | 9.28% | 1.03% | 1.74% | 70.7% |
| Q1 2026 | 63 | $331.0M | 8.97% | 1.23% | 1.38% | 68.9% |
| Q4 2025 | 65 | $342.4M | 9.93% | 1.39% | 1.38% | 67.1% |
| Q3 2025 | 64 | $335.0M | 9.75% | 1.30% | 1.19% | 66.5% |
| Q2 2025 | 67 | $321.4M | 10.15% | 1.18% | 1.28% | 66.2% |
| Q1 2025 | 69 | $320.6M | 9.81% | 0.17% | 0.53% | 73.2% |
| Q4 2024 | 79 | $329.9M | 9.83% | 0.06% | 1.57% | 70.8% |
| Q3 2024 | 74 | $337.3M | 9.86% | 0.45% | 1.45% | 67.9% |
| Q2 2024 | 79 | $313.6M | 10.48% | 0.04% | 1.39% | 72.9% |
2,650 peers · $100 million – $1 billion
How it compares with peers
Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).
Similar-size banks in Minnesota
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| Reliance BankBank Faribault, MN | 65 out of 100, Moderate | $334.1M | 9.0% | 0.25% | vs |
| Ultima Bank MinnesotaBank Winger, MN | 72 out of 100, Strong | $333.9M | 10.8% | 0.62% | vs |
| Woodlands National BankBank Hinckley, MN | 62 out of 100, Moderate | $331.0M | 11.2% | 1.42% | vs |
| Viking Bank, National AssociationBank Alexandria, MN | 70 out of 100, Strong | $330.3M | 9.2% | 0.53% | vs |
| The State Bank of FaribaultBank Faribault, MN | 71 out of 100, Strong | $329.2M | 9.3% | 0.13% | vs |
| Citizens Bank & Trust Co.Bank Hutchinson, MN | 69 out of 100, Moderate | $329.0M | 8.6% | 0.26% | vs |
Deposit insurance
Is my money safe at Farmers and Merchants State Bank of Pierz?
Yes. Farmers and Merchants State Bank of Pierz is an FDIC-insured institution (FDIC certificate #10165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
An estimated 12.7% of deposits ($39.3M) are above the $250,000 FDIC insurance limit, below the peer median of 24%. Insured balances are protected regardless of the score.
The tier 1 leverage ratio is 9.28%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).
3 locations
Branches
Farmers and Merchants State Bank of Pierz lists 3 offices in 3 cities. Most locations:
- Eden Valley, MN (1)
- Pierz, MN (1)
- Sauk Rapids, MN (1)
HMDA 2025
Mortgage lending
In 2025, Farmers and Merchants State Bank of Pierz reported 70 home-loan applications under HMDA (LEI 25490085TUTOSF6Q7Y94): 55 originated ($9,855,000 total), 1 denied, and 10 withdrawn or closed by the applicant. Its denial rate on decided applications was 1.7%, compared with 22.2% for all lenders nationwide.
Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.
Identity & history
Profile
- Legal name
- Farmers and Merchants State Bank of Pierz
- Type
- State-chartered bank
- FDIC certificate #
- 10165
- RSSD ID
- 728957
- Primary regulator
- FDIC
- Holding company
- Farmers&merchants Agency Inc
- Established
- January 1, 1908
- Headquarters
- 80 Main St N, Pierz, MN 56364
- Website
- www.fmpierz.com
- Employees
- 52
Quick answers
Farmers and Merchants State Bank of Pierz: common questions
Is Farmers and Merchants State Bank of Pierz FDIC insured?
Yes. Farmers and Merchants State Bank of Pierz is an FDIC-insured institution (FDIC certificate #10165). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.
What is Farmers and Merchants State Bank of Pierz's TellerScore?
69 out of 100 (Moderate), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.
Has Farmers and Merchants State Bank of Pierz ever failed?
There is no failure record for FDIC certificate #10165 in the FDIC failed bank list.
How many branches does Farmers and Merchants State Bank of Pierz have?
3 offices as of the latest FDIC data.
Nearby
Highest-scoring banks and credit unions with branches near Pierz
| Institution | Score | Assets | Capital | Problem loans | Compare |
|---|---|---|---|---|---|
| The First National Bank of MilacaBank Milaca, MN | 81 out of 100, Strong | $293.2M | 10.8% | 0.37% | vs |
| Pine Country BankBank Little Falls, MN | 78 out of 100, Strong | $380.3M | 10.2% | 0.06% | vs |
| Sentry BankBank Saint Joseph, MN | 70 out of 100, Strong | $415.5M | 8.7% | 0.00% | vs |
| Magnifi Financial Credit UnionCredit union Melrose, MN | 68 out of 100, Moderate | $2.8B | 11.0% | 0.21% | vs |
| Credit Union 1Credit union Lombard, IL | 68 out of 100, Moderate | $2.9B | 10.9% | 1.35% | vs |
| Mid Minnesota Federal Credit UnionCredit union Baxter, MN | 67 out of 100, Moderate | $858.0M | 9.3% | 0.43% | vs |