Farmers & Merchants Union Bank: Call Report & UBPR Financial Data
Data as of · sourced from FFIEC call reports. How we update
Operating from Columbus, WI, Farmers & Merchants Union Bank serves its local market as an FDIC-insured commercial bank. On its most recent Q2 2026 call report, Farmers & Merchants Union reported $872M in total assets against $752M in deposits. The bank posts a strong 1.60% ROA and 14.09% ROE. Under the simplified Community Bank Leverage Ratio framework, leverage of 9.97% exceeds the CBLR threshold. Asset quality is pristine, 0.26% NPLs and a 3.06% Texas Ratio. Farmers & Merchants Union operates a 13-branch network.
As of June 30, 2026, Farmers & Merchants Union Bank reported a Tier 1 leverage ratio of 9.97%, a return on assets of 1.60%, a nonperforming-loan ratio of 0.26%, a Texas ratio of 3.06%, per financial data filed with the FFIEC.
Headquarters Profile
- Address
- 159 W James St, Columbus, WI 53925
- County
- Columbia
- Metro Area
- Madison, WI
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 7, Chicago
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 041
- Established
- September 5, 1861
- Offices
- 13 domestic
- Employees (FTE)
- 100
- Domestic deposits
- $751.9M
- Allowance for credit losses
- $12.8M
- Net charge-offs (YTD)
- -$165K
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- June 5, 1934
- FDIC Cert
- 14445
- Fed RSSD
- 51842
- Website
- WWW.FMUB.BANK →
- Parent Holding Company
- JEWEL BOX FINANCIAL SERVICES, INC. (RSSD 2653071)
Profitability
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. This bank files the community bank leverage ratio (CBLR), the simplified capital framework for qualifying community banks. It does not report CET1, Tier 1 or total risk-based ratios, so the Tier 1 leverage ratio is the capital measure that applies.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
The quarter's own net income, as filed. It needs no adjustment because the filing does not accumulate it through the year.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
Inside the full Farmers & Merchants Union Bank terminal
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Unlock Farmers & Merchants Union Bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Commercial real estate loans exceed 300% of total capital, the threshold at which the 2006 interagency guidance flags a bank for heightened supervisory scrutiny. CRE concentration has been the central stress vector for regional banks since 2023. 2006 Interagency CRE Concentration Guidance (SR 07-1).
Farmers & Merchants Union Bank rankings
How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Banks merged into Farmers & Merchants Union Bank
- American Bank of Beaver Dam, effective February 14, 2026
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings. A community bank leverage ratio filer reports no CET1 ratio, so the first ratio column is the Tier 1 leverage ratio.
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 9.97% | 1.60% | 0.26% | 3.06% | 4.13% |
| Q1 2026 | 11.03% | 1.88% | 0.29% | 3.86% | 4.01% |
| Q4 2025 | 12.47% | 2.44% | 0.14% | 0.89% | 4.33% |
| Q3 2025 | 11.95% | 1.83% | 0.25% | 1.60% | 4.17% |
| Q2 2025 | 11.51% | 2.02% | 0.26% | 1.67% | 4.30% |
| Q1 2025 | 11.63% | 0.66% | 0.65% | 4.30% | 3.66% |
| Q4 2024 | 15.68% | 1.08% | 0.71% | 3.23% | 3.54% |
| Q3 2024 | 15.55% | 1.62% | 1.72% | 7.70% | 3.58% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, mapped, and listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 13 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Merchants Union Bank | Columbus , WI | 53925 | $178.9M |
| Industrial Drive Branch | Columbus , WI | 53925 | $178.9M |
| American Bank of Beaver Dam Branch | Beaver Dam , WI | 53916 | $103.7M |
| Wisconsin River Bank Branch | Sauk City , WI | 53583 | $58.8M |
| Friesland Branch | Friesland , WI | 53935 | $53.1M |
| Northside Branch | Beaver Dam , WI | 53916 | $36.6M |
| Necedah Branch | Necedah , WI | 54646 | $28.7M |
| New Juneau Branch | Juneau , WI | 53039 | $25.4M |
| Lodi Branch | Lodi , WI | 53555 | $23.1M |
| Janesville Branch | Janesville , WI | 53545 | $19.5M |
| Rio Branch | Rio , WI | 53960 | $16.9M |
| Farmers & Merchants Union Bank Branch | Fall River , WI | 53932 | $14.5M |
| The American National Bank Branch | Beaver Dam , WI | 53916 | $13.9M |
Events & Regulatory History
Mergers, charter changes, enforcement actions, FDIC assistance, and (if applicable) failure events recorded against this institution. Click a year to see what else was happening across US banking that year.
| Date | Category | Event | Source |
|---|---|---|---|
| February 14, 2026 | Structure Change | Acquired American Bank of Beaver Dam Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| February 13, 2026 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
| January 3, 2025 | Structure Change | Acquired Wisconsin River Bank Charter Discontinued (Merger or Purchase & Assumption) for the acquired bank | FFIEC NIC |
| January 2, 2025 | Merger | Participated in Absorption/Consolidation/Merger | FDIC |
Sourced from the bank event history (FDIC, Federal Reserve NIC, OCC, and OTS). Showing the most recent 4 events.
Regulatory record
What the public regulatory sources show for Farmers & Merchants Union Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- 0.4% of deposits in WI, rank 40 of 185 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 116 applications, 86 loans originated, $22.1M originated, across 3 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Farmers & Merchants Union Bank
What are Farmers & Merchants Union Bank's total assets?
As of the Q2 2026 filing, Farmers & Merchants Union Bank reported total assets of $872.1 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers & Merchants Union Bank headquartered?
Farmers & Merchants Union Bank is headquartered in Columbus, WI, United States. It files quarterly FFIEC call reports as required of all FDIC-insured commercial banks.
When was Farmers & Merchants Union Bank founded?
Farmers & Merchants Union Bank was established in 1861, per the FDIC institution directory.
Is Farmers & Merchants Union Bank FDIC-insured?
Yes. Farmers & Merchants Union Bank is an FDIC-insured commercial bank (FDIC Certificate #14445). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers & Merchants Union Bank?
Farmers & Merchants Union Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
How many branches does Farmers & Merchants Union Bank operate?
Farmers & Merchants Union Bank operates 13 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers & Merchants Union Bank's Texas Ratio?
Farmers & Merchants Union Bank's Texas Ratio is 3.06% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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