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This institution is no longer active

Operations ceased on April 21, 2006. CRA examination history below reflects the period it was active.

FARMERS & MERCHANTS STATE BANK

BOISE, ID · Supervised by FDIC

Est. 1967FDIC #19,747RSSD: FDIC-19747
Part ofF&M HOLDING CO→ View all charters
Satisfactory Same

Current rating · Exam: December 2005

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.37%

Institution Profile

FDIC BankFind

Address

121 North 9th Street, Suite 200, BOISE, ID

County

Ada County

Established

September 19, 1967

Total Assets

$654M(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

December 1, 2005

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
⚠️This exam is 20 years old — CRA data may not reflect current lending practices. Regulators typically re-examine banks every 2–4 years.
Estimated next exam:Overdue(based on asset size)

Financial Snapshot

As of Q1 2006Call Report / FDIC

Total Assets

$654M

Total Deposits

$483M

Net Loans

$487M

Net Income

$2M

ROA

1.37%

ROE

19.41%

Risk-Based Capital

10.01%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Peer Comparison

Small banks

Compared to the peer-bank Small peer group (same asset tier).

Mortgage Denial Rate13.78%Peer avg: 7.63%▼ Below avg

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Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20241,43074.55%13.78%
20231,50777.57%13.14%
20221,85578.65%11.97%
20212,08980.33%9.24%
20203,19178.47%9.06%
20191,51573.66%12.61%
20181,03273.64%14.53%

2024 national avg denial rate: 23.75% · Small bank avg: 7.63% · above-average shown in red

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

5 previous ratings locked — dating back to 1991

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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