BanksFARMERS & MERCHANTS BANK, THE

FARMERS & MERCHANTS BANK, THE

BERLIN, WIMediumEst. Dec. 2, 1940, midnightFDIC #15779RSSD #574949FED
Latest · 2025-12-31

FARMERS & MERCHANTS BANK, THE is an FDIC-insured commercial bank headquartered in BERLIN, WI, established in Dec. 2, 1940, midnight. As of 2025-12-31, the bank reported total assets of $954M and total deposits of $826M. Profitability stands at 0.97% ROA and 11.89% ROE, with a net interest margin of 3.61%. CET1 capital ratio: 12.31%, well above regulatory minimums. NPL ratio: 2.74% · Texas Ratio: 22.66%. Operates 2 domestic branches.

Assets
$954M
Deposits
$826M
Loans
$743M
Equity
$80M

Profitability

Return on Assets (ROA)0.97%
Return on Equity (ROE)11.89%
Net Interest Margin3.61%
Yield on Assets6.75%
Cost of Funds3.16%

Asset Quality

NPL Ratio2.74%
Net Charge-Off Ratio0.19%
Texas Ratio22.66%
NPA Ratio2.13%
ACL / Loans1.35%

Capital & Liquidity

CET1 Ratio12.31%
Tier 1 Capital12.31%
Total Capital Ratio13.57%
Leverage Ratio9.43%
Loan-to-Deposit89.88%

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