The Farmers & Merchants Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Loan-to-deposit ratio climbed 5.41 percentage points in Q2 2026, from 89.01% to 94.42%. It was the largest change from Q1 2026 among the key lines here. The Farmers & Merchants Bank ranks 83rd of 153 Wisconsin banks on return on assets, in the lower half at 1.25% (Q2 2026). At 1.25%, The Farmers & Merchants Bank's return on assets is close to the 1.25% median for banks in the $100M-1B asset tier (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 12.76% |
| Tier 1 risk-based capital ratio | 12.76% |
| Total risk-based capital ratio | 14.01% |
| Tier 1 leverage ratio | 10.02% |
| Equity capital to assets | 9.17% |
| Tangible equity to tangible assets | 9.17% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.89% |
| Non-performing assets ratio | 2.65% |
| Net charge-off ratio | 0.35% |
| Texas ratio | 25.83% |
| Allowance for credit losses to loans | 1.40% |
| Reserve coverage of non-performing loans | 48.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.25% |
| Return on equity | 14.50% |
| Net interest margin | 3.52% |
| Efficiency ratio | 47.42% |
| Yield on earning assets | 6.34% |
| Cost of funds | 3.12% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.42% |
| Core deposits to total deposits | 46.17% |
| Brokered deposits to total deposits | 51.30% |
| Deposits to assets | 82.65% |
| Securities to assets | 17.97% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q3 2023 | 11.57% | 11.57% | 12.72% | 9.28% | 1.12% |
| Q4 2023 | 11.09% | 11.09% | 12.26% | 8.91% | 0.88% |
| Q1 2024 | 10.95% | 10.95% | 12.08% | 8.82% | 1.43% |
| Q2 2024 | 11.31% | 11.31% | 12.54% | 8.85% | 1.21% |
| Q3 2024 | 11.43% | 11.43% | 12.59% | 8.99% | 1.06% |
| Q4 2024 | 11.09% | 11.09% | 12.25% | 8.81% | 0.38% |
| Q1 2025 | 11.57% | 11.57% | 12.70% | 8.98% | 1.40% |
| Q2 2025 | 11.90% | 11.90% | 13.09% | 9.22% | 1.48% |
| Q3 2025 | 12.27% | 12.27% | 13.52% | 9.26% | 0.95% |
| Q4 2025 | 12.31% | 12.31% | 13.57% | 9.43% | 0.96% |
| Q1 2026 | 12.54% | 12.54% | 13.79% | 9.85% | 1.19% |
| Q2 2026 | 12.76% | 12.76% | 14.01% | 10.02% | 1.25% |
The Farmers & Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers & Merchants Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full The Farmers & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 15779) · FFIEC NIC profile (RSSD 574949)