Farmers and Merchants State Bank CD Rates, Savings & MMA, Mortgage & Loan Rates, Reviews

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Farmers and Merchants State BankToday's 12-month CD rates can be found at 3.82%, 6-month CD rates at 1.25% and 3-month CD rates at 3.50%. Current savings rates are at 0.10% and money market rates are at 0.60%. Mortgage rates today on 30-year fixed loans are around 6.79%. Credit Card rates are at 14.00%. Personal Loan rates are at 10.00%. All these rates, and more, can be found in our database of rates.

To see how these rates compare to Farmers and Merchants State Bank CD rates, feel free to use our comprehensive rate tables for side-by-side comparisons of CD rates from Farmers and Merchants State Bank, savings rates and money market rates, with rates from other banks and credit unions below. You can use our bank rate lists to compare CD rates for all CD terms, with Farmers and Merchants State Bank CD rates. You can also compare Farmers and Merchants State Bank savings rates, MMA rates and mortgage rates using our other rate lists.

Farmers and Merchants State Bank money market rates, and other rates, are continually updated to reflect market conditions, we recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers and Merchants State Bank? Share your experience about Farmers and Merchants State Bank by leaving a review below, or read customer reviews before you decide to use Farmers and Merchants State Bank.

Farmers and Merchants State Bank Texas Ratio

Farmers and Merchants State Bank's Texas Ratio is at 0.07%, which is considered excellent. The Texas Ratio for Farmers and Merchants State Bank is lower than the national average of all banks, currently at 6.13%. The Texas Ratio was developed in the early 1980s, and it is used to identify potential problem banks. Banks that have a Texas Ratio of 100% or more have a high chance of failing.

Overall, Farmers and Merchants State Bank is an excellent bank worth considering, with an overall rating of 4 stars out of 5 stars.

Rate
APY/APR
vs Avg
12-Month CD
N/A
18-Month CD
N/A
24-Month CD
N/A
36-Month CD
N/A
48-Month CD
N/A
60-Month CD
N/A
Savings
N/A
MMA
N/A
30-Year Fixed
N/A
Credit Card
N/A
Personal Loan
N/A
Farmers and Merchants State Bank
816 3rd St
Langdon, ND 58249
Member FDIC
MonitorBankRates' Rating
4/5
★★★★☆

Compare Farmers and Merchants State Bank Rates with Other Competitive Bank and Credit Union Rates

Bank
Product
APY
Min Dep
Raymond James Bank
Raymond James Bank
24-Month CD
4.30%
$1,000
Investment Savings Bank
Investment Savings Bank
12-Month CD
3.68%
$500
First State Bank and Trust Bayport, MN
First State Bank and Trust Bayport, MN
12-Month CD
3.55%
$1,000
NBKC Bank
NBKC Bank
24-Month CD
3.50%
$250
Concordia Bank & Trust Company
Concordia Bank & Trust Company
18-Month CD
3.29%
$1,000
Henderson FSB
Henderson FSB
48-Month CD
3.20%
$500
Sandy Spring Bank
Sandy Spring Bank
24-Month CD
3.15%
$1,000
St. Ansgar State Bank
St. Ansgar State Bank
18-Month CD
3.02%
$1,000
Old Exchange Bank of Okawville
Old Exchange Bank of Okawville
24-Month CD
3.02%
$1,000
Fox Valley Savings Bank
Fox Valley Savings Bank
36-Month CD
3.00%
$500
Superior National Bank
Superior National Bank
36-Month CD
3.00%
$500
First State Bank Tahlequah, OK
First State Bank Tahlequah, OK
36-Month CD
2.86%
$1,000
State Bank & Trust Company
State Bank & Trust Company
60-Month CD
2.52%
$1,000
Bank Northwest
Bank Northwest
60-Month CD
2.52%
$500
Chelsea State Bank (CSB)
Chelsea State Bank (CSB)
18-Month CD
2.47%
$500
Bank of Hartington
Bank of Hartington
24-Month CD
2.17%
$1,000
Grinnell State Bank
Grinnell State Bank
18-Month CD
2.07%
$1,000
Merrimack County SB
Merrimack County SB
12-Month CD
2.00%
$500
New Foundation SB
New Foundation SB
60-Month CD
1.75%
$1,000
Wolf River Community Bank
Wolf River Community Bank
36-Month CD
1.55%
$1,000
Champlain National Bank
Champlain National Bank
12-Month CD
1.51%
$500
Swedish-American State Bank
Swedish-American State Bank
12-Month CD
1.51%
$500
Forcht Bank
Forcht Bank
Forcht Reserve Money Market
1.51%
$250,000
Westside State Bank
Westside State Bank
Kasasa Savings
1.50%
$50
Union State Bank Winterset, IA
Union State Bank Winterset, IA
60-Month CD
1.40%
$500
Glen Burnie MSB
36-Month CD
1.26%
$500
Bank of Sun Prairie
Bank of Sun Prairie
48-Month CD
1.25%
$500
Marion County State Bank
Marion County State Bank
Money Market
1.05%
$2,500
PeopleFirst Bank
PeopleFirst Bank
24-Month CD
1.00%
$2,500
FSB of Westmoreland
FSB of Westmoreland
Passbook Savings
1.00%
$100
Woodsville Guaranty Savings Bank
Woodsville Guaranty Savings Bank
12-Month CD (Jumbo)
0.60%
$100,000
Iowa Falls State Bank
Iowa Falls State Bank
Premium Checking
0.50%
$1,000
William Penn Bank
William Penn Bank
6-Month CD
0.50%
$500
CIBM Bank
CIBM Bank
12-Month CD
0.45%
$500
Crest Savings Bank
Crest Savings Bank
Money Market
0.25%
$1,000
BLC Community Bank
BLC Community Bank
Savings
0.25%
$25
Bank of 1889
Bank of 1889
Money Market
0.25%
$1,000
Petefish, Skiles & Co. Bank
Regular Savings
0.20%
$0
The Union Bank Company
The Union Bank Company
36-Month CD
0.20%
$500
Elevate Bank
Elevate Bank
Savings
0.15%
$50
Eureka Savings Bank
Eureka Savings Bank
Essential Money Market
0.15%
$2,500
First National Bank of Michigan
First National Bank of Michigan
First Personal Savings
0.10%
$100
Applied Bank
Applied Bank
Savings
0.05%
$100
Bank of Franklin County
Bank of Franklin County
Premier Checking
0.05%
$0
PSB of Rhineland
PSB of Rhineland
Savings
0.05%
$0
Unity Bank
Unity Bank
Prosperity Plus Checking
0.05%
$100
First Hawaiian Bank
First Hawaiian Bank
Money Market
0.02%
$100
Sturdy Savings Bank
Sturdy Savings Bank
18-Month CD
0.02%
$500
Adirondack Bank
Adirondack Bank
Loyalty Money Market
0.01%
$2,500
1st University Credit Union
1st University Credit Union
Savings
0.00%
$100
Show More

The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The "Min. Balance" indicates the minimum amount required to earn the stated APY. Please note that some of the offers presented on this site are from advertisers, who provide compensation for their inclusion. However, these advertised offers do not encompass all available deposit accounts.

Mortgage Rates July 12, 2025

Lender
Product
Rate
APR
Points
3.990%
4.357%
0.750
4.250%
4.514%
0.750
4.500%
4.685%
0.750
5.560%
5.250%
0.000
15 Year Fixed
5.300%
5.390%
0.000
5.250%
5.491%
0.000
5.300%
5.494%
0.000
4.750%
5.507%
0.000
5.375%
5.525%
0.750
5.000%
5.531%
0.000
5.250%
5.545%
1.000
5.500%
5.569%
0.000
5.500%
5.614%
0.000
5.250%
5.629%
2.000
5.500%
5.637%
0.000
5.625%
5.693%
0.000
5.500%
5.728%
1.125
30-Year Fixed
5.560%
5.730%
0.000
5.500%
5.759%
0.000
15-Year Fixed Jumbo
5.750%
5.776%
0.000
15-Year Fixed
5.500%
5.785%
0.000
5.250%
5.791%
2.000
Show More

The mortgage rates presented are solely intended for informational use. Please consult the mentioned lenders for up-to-date mortgage rates. The actual mortgage rates and other loan conditions depend on the lender's approval and are not guaranteed.

Our apologies, we do not have Farmers and Merchants State Bank rate data right now, check back for updates, we are adding rates all the time.

Farmers and Merchants State Bank Information

Farmers and Merchants State Bank
816 3rd St
Langdon, ND 58249
Cavalier
Established Date: 08/12/1974
FDIC Certificate #: 21728
Date of FDIC Deposit Insurance: 08/12/1974
Bank Holding Company: F&M BANCSHARES INC
How Many Domestic U.S. Offices? 1
How Many Branches are There? 1
Is Farmers and Merchants State Bank FDIC Insured? Yes
What is Farmers and Merchants State Bank's Cert number? 21728
What is the maximum amount for insured deposits? $250,000 per holder, per account

Farmers and Merchants State Bank Financials

Total Assets:
$141,147,000
Total Deposits:
$109,109,000
Equity Capital:
$17,032,000
Domestic Deposits:
$109,109,000
Net Income:
$383,000
Return on Assets:
0.9875%
Quarterly Return on Assets:
1.0700%
Pretax Return on Assets:
1.0691%
Pretax Quarterly Return on Assets:
1.0700%
Return on Equity:
8.6000%
Quarterly Return on Equity:
8.8400%
Leverage Tier 1 (Core Capital) Ratio:
14.1755%
Total Interest Income (YTD):
4.0191%
 
 
Headquarters:
Langdon
FDIC Field Office:
Fargo
Regulator:
FDIC
County:
Cavalier
# of Offices:
1
Metropolitan Statistical Area (MSA):
Consolidated Metropolitan Statistical Area (CMSA):
OTS Region:
West
FDIC Region:
Kansas City
Source: FDIC Last Updated 03/31/2024

FDIC List of Troubled Banks and the Texas Ratio

The Federal Deposit Insurance Corporation (FDIC) maintains a list of problem banks that isn't published or shared with anyone else. So how can the average depositor or lender know if their bank is a problem bank about to fail?

The Texas Ratio is one measure that might offer a clue. The ratio was developed by RBC Capital Markets analyst Gerard Cassidy in the 1980's to forecast which banks could fail during the 1980's real estate bubble...Deja vu, anyone?

The ratio is devised by comparing a bank's troubled loans to its capital. If the amount of bad loans equals or exceeds its capital, a ratio of 100% or higher, the bank might not have enough capital to cover its losses related to the bad loans on its books. Updated Failed Bank List Below:

    Read more...

Explore Other Rate Deals

Liberty Bank for Savings headquartered in Chicago, Illinois, is advertising a Special 66 month CD rate, a Special 48 month Individual Retirement Account (IRA) CD rate, regular CD rates and "Gift" CD rates. Liberty Bank for Savings has been in business since 1898 and is a member of the Federal Deposit Insurance Corporation (FDIC). Certificate of deposit accounts are insured for up to $250,000.
Mortgage rates declined in the latest mortgage survey released this morning. Current mortgage rates on 30 year home loans is averaging 4.32% for the week ending August 12, 2011 , down from the prior week's average 30 year mortgage rate of 4.27%. Average contract rates are as reported the Mortgage Bankers Association. Average mortgage discount points on 30 year mortgages declined to 0.87 points, down from the prior week's average of 1.07 points
Mortgage rates set new records lows again in this week's mortgage survey released this morning. 30 year mortgage rates, 15 year mortgage rates and 5 year adjustable mortgage rates all hit new record lows for the week ending September 2, 2010 in the most recent Primary Mortgage Market Survey released by Freddie Mac. Poor economic data released by the government this past week sent 10 year bond yields down below 2.50%. Lower bond yields drove mortgage rates lower. 

Bank or Credit Union Offers and Deals

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Highest 1 Year Bank Certificate of Deposit Rate Increased to 1.20% APY
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