🏦Bank Scorer

FARMERS AND MERCHANTS STATE BANK

LANGDON, ND · Supervised by FDIC

Est. 1974FDIC #21,728RSSD: FDIC-21728
Part ofF&M BANCSHARES INC→ View all charters
Satisfactory Same

Current rating · Exam: December 2025

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.41%

Institution Profile

FDIC BankFind

Address

816 3rd St, LANGDON, ND

County

Cavalier County

Established

August 12, 1974

Total Assets

$140M(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, 2025

Exam Type

Small Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Dec 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$140M

Total Deposits

$110M

Net Loans

$78M

Net Income

$513K

ROA

1.41%

ROE

10.09%

Risk-Based Capital

0.00%

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 Rate5.56%Peer avg: 7.63%▲ Above avg

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Branch Footprint

FDIC SOD 2025

Total Branches

1

Branch Deposits

$102M

1-Year Change

0

Mortgage Lending

CFPB HMDA
YearApplicationsOrig. RateDenial Rate
20247288.89%5.56%
20237586.67%6.67%
20199879.59%11.22%
201810782.24%10.28%

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

8 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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