Farmers & Merchants Savings Bank, Financial Information

Terms and Definitions

• Domestic deposits

  The sum of all domestic deposits, including demand deposits, money market deposits and time deposits.
• Equity capital

  Total equity capital (includes preferred and common stock, surplus and undivided profits).
• ROA

  Return on assets, net income after taxes and extraordinary items (annualized) as a percent of average total assets.
• ROE

  Return on equity, annualized net income as a percent of average equity on a consolidated basis.

Farmers & Merchants Savings Bank was established in 1925 in Manchester, Iowa. Eighty eight years later, F&M Bank continues to be a locally owned and operated financial institution. In 1994, F&M Bank expanded into the Cedar Rapids metro market area and in 2004, established an office in Anamosa. Most recently, F&M became an interstate bank with the addition of the Vadnais Heights and Lino Lakes offices in Minnesota. All F&M locations are full service banking facilities.

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Manchester
101 E. Main Street
PO Box 588
Manchester, IA 52057
Phone: 563.927.4475
Fax: 563.927.2979
Lobby Hours
Monday - Friday: 9:00 am to 3:00 pm

Drive Up Bank
105 E. Delaware Street
Manchester, IA 52057
Monday - Friday: 8:30 am to 5:00 pm
Saturday: 8:30 am to 11:30 am
ATM Available

Anamosa
220 West Main
Anamosa, IA 52205
Phone: 319.462.6878
Fax: 319.462.4630