FARMERS & MERCHANTS BANK & TRUST

MARINETTE, WI | Small | Est. Dec. 2, 1902, midnight | FDIC #10382 | RSSD #672247 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK & TRUST is asn small FDIC-insured commercial bank headquartered in MARINETTE, WI, established in Dec. 2, 1902, midnight. As of 2025-12-31, the bank reported total assets of $174M and total deposits of $147M. Profitability stands at 0.44% ROA and 4.78% ROE, with a net interest margin of 4.32%. The bank's CET1 capital ratio is 16.40%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.07% and a Texas Ratio of 7.95%. FDIC Certificate #10382.

Assets

$174M

Deposits

$147M

Loans

$119M

Equity

$16M

Profitability

Return on Assets (ROA) 0.44%
Return on Equity (ROE) 4.78%
Net Interest Margin (NIM) 4.32%
Yield on Assets 5.85%
Cost of Funds 1.56%

Asset Quality

NPL Ratio 1.07%
Net Charge-Off Ratio 0.00%
Texas Ratio 7.95%
NPA Ratio 0.79%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 16.40%
Tier 1 Capital 16.40%
Total Capital Ratio 17.48%
Leverage Ratio 11.11%
Loan-to-Deposit 81.35%

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