SCOTLAND HOLDING CO is the parent banking group. THE FARMERS AND MERCHANTS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

Bank Holding Company

SCOTLAND HOLDING CO

Legal name: SCOTLAND HOLDING COMPANY

1 active bank · $36M combined assets

RSSD ID: 1127856 (FFIEC NIC)

Combined Assets

$36M

CRA Rating Summary

Satisfactory1charter

Across all 8 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE FARMERS AND MERCHANTS STATE BANKSCOTLAND, SDSatisfactory$36MView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$36M

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$33M

Net Income

$118K

ROA (avg)

1.35%

asset-weighted avg

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE FARMERS AND MERCHANTS STATE BANK	SCOTLAND, SD	FDIC	$36M	95.0%	Satisfactory	Nov 2021

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.