Regulatory profile
Tolna, ND · FDIC certificate #8640
FARMERS&MERCHANTS BANK OF ND is an FDIC-insured institution based in Tolna, ND (FDIC certificate #8640). In its Q3 2026 Call Report it reported total assets of $119M, total deposits of $107M and net loans of $49M. Its primary federal regulator is FDIC.
Reported facts
FARMERS&MERCHANTS BANK OF ND (FDIC certificate #8640) reported the following headline financials for Q3 2026. Interactive quarterly history follows below.
| Total assets | $119M |
|---|---|
| Total deposits | $107M |
| Net loans and leases | $49M |
| Return on assets | 1.01% |
| Return on equity | 9.96% |
| Net interest margin | 3.38% |
| Quarterly asset change | -0.97% |
| Quarterly deposit change | -0.08% |
Plain-language readout
FARMERS&MERCHANTS BANK OF ND in Tolna, ND reported total assets of $119M, total deposits of $107M and net loans of $49M in its Q3 2026 Call Report (as of 2026-09-30).
Profitability for Q3 2026: a return on assets of 1.01%, a return on equity of 9.96%, a net interest margin of 3.38%. Return on assets measures annualized net income against average assets, return on equity measures it against average equity, and net interest margin measures net interest income against average earning assets.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $119M | $107M | $49M | 1.01% | 9.96% | 3.38% |
| Q2 2026 | $120M | $107M | $47M | 0.89% | 8.66% | 3.28% |
| Q1 2026 | $124M | $111M | $44M | 0.63% | 6.13% | 3.14% |
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