FARMERS & MERCHANTS UNION BANK

COLUMBUS, WI | Medium | Est. Sept. 5, 1861, midnight | FDIC #14445 | RSSD #51842 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS UNION BANK is amn medium FDIC-insured commercial bank headquartered in COLUMBUS, WI, established in Sept. 5, 1861, midnight. As of 2025-12-31, the bank reported total assets of $683M and total deposits of $582M. Profitability stands at 2.44% ROA and 19.86% ROE, with a net interest margin of 4.61%. The bank's CET1 capital ratio is 10.42%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.00% and a Texas Ratio of 0.00%. FDIC Certificate #14445.

Assets

$683M

Deposits

$582M

Loans

$574M

Equity

$84M

Profitability

Return on Assets (ROA) 2.44%
Return on Equity (ROE) 19.86%
Net Interest Margin (NIM) 4.61%
Yield on Assets 6.45%
Cost of Funds 1.95%

Asset Quality

NPL Ratio 0.00%
Net Charge-Off Ratio -0.05%
Texas Ratio 0.00%
NPA Ratio 0.00%
ACL / Loans 2.08%

Capital & Liquidity

CET1 Ratio 10.42%
Tier 1 Capital 10.42%
Total Capital Ratio 10.94%
Leverage Ratio 12.47%
Loan-to-Deposit 98.58%

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