Farmers and Merchants State Bank
Headquarters: Winterset, Iowa
Overview
Farmers and Merchants State Bank is an FDIC-insured bank headquartered in Winterset, Iowa. It reported $265.46M in assets and $235.71M in deposits for the period ending March 31, 2026. Bankular currently lists 5 branch locations.
What Bankular checked
These dates identify the official records and review steps supporting this profile.
Quarterly change
What changed since the previous report
December 31, 2025 to March 31, 2026
These comparisons use consecutive official regulatory reporting periods. A change is descriptive and is not a recommendation or safety rating.
Financial indicators
Capital, profitability and credit quality
These are the latest reported capital, profitability and credit-quality measures available for this institution. Read the figures together rather than as a single safety rating.
Branch footprint
Where Farmers and Merchants State Bank has branches
Explore the cities with the most currently listed locations. Branch hours can change, so confirm current lobby, drive-through and appointment hours with the institution before visiting.
Locations
Find a branch of Farmers and Merchants State Bank
Farmers & Merchants State Bank
204 SE 6th St, Greenfield, Iowa, 50849
Full-service branch · Opened June 15, 2026
Address and directions →Main Office
101 W Jefferson St, Winterset, Iowa, 50273
Full-service branch · Opened August 11, 1938
Motor
722 N 1st St, Winterset, Iowa, 50273
Limited Service: Drive Thru/Detached Facility · Opened April 28, 1980
Address and directions →Orient Branch
114 S Broad St, Orient, Iowa, 50858
Full-service branch · Opened August 15, 1938
St Charles
317 E Main St, Saint Charles, Iowa, 50240
Full-service branch · Opened August 15, 1938
Financial overview
Latest reported figures
Through March 31, 2026
Financial trends
How the balance sheet has changed
Compare recent quarters to see the direction of assets, deposits and loans.
| Quarter | Assets | Deposits | Net loans | ROA |
|---|---|---|---|---|
| March 31, 2026 | $265.46M | $235.71M | $161.00M | 1.12% |
| December 31, 2025 | $267.56M | $238.15M | $163.26M | 1.24% |
| September 30, 2025 | $257.16M | $227.03M | $162.29M | 1.30% |
| June 30, 2025 | $258.70M | $229.61M | $156.98M | 1.24% |
| March 31, 2025 | $259.07M | $230.95M | $152.16M | 1.21% |
| December 31, 2024 | $259.70M | $232.79M | $148.88M | 1.19% |
| September 30, 2024 | $239.75M | $211.67M | $148.68M | 1.17% |
| June 30, 2024 | $235.60M | $209.56M | $146.80M | 1.15% |
Size and reach
How this institution compares
Explore the institution
More on Farmers and Merchants State Bank
Use the available Bankular sections to move from institution identity to products, locations, market context and source verification.
Branch locations
5 listed locations.
Explore →Compare this institution
Compare size, financial metrics, rates and access.
Explore →State banking market
Explore institutions and deposit-market context in Iowa.
Explore →Winterset banking market
See local branches, competitors and market concentration.
Explore →Rankings and research
Place this institution in national and market context.
Explore →Sources and methodology
Review the official sources and reporting periods.
Explore →Frequently asked questions
Is Farmers and Merchants State Bank federally insured?
Yes. Bankular identifies this institution in FDIC records under certificate 15610.
Where is Farmers and Merchants State Bank headquartered?
Farmers and Merchants State Bank is headquartered in Winterset, Iowa, at 101 W Jefferson St, Winterset, Iowa, 50273.
How large is Farmers and Merchants State Bank?
It reported $265.46M in assets and $235.71M in deposits for the period ending March 31, 2026.
How many locations does Farmers and Merchants State Bank have?
Bankular currently lists 5 branch locations for this institution.
Data sources and methodology
Bankular combines official regulatory records with institution-published product information. The detailed sources are available below for readers who want to verify a figure.