FARMERS & MERCHANTS STATE BANK is asn small FDIC-insured commercial bank headquartered in WATERLOO, WI, established in Jan. 1, 1897, midnight. As of 2025-12-31, the bank reported total assets of $241M and total deposits of $180M. Profitability stands at 1.33% ROA and 12.35% ROE, with a net interest margin of 3.54%. The bank's CET1 capital ratio is 10.65%, 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 #13242.
Assets
$241M
Deposits
$180M
Loans
$207M
Equity
$26M
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