Farmers & Merchants Bank & Trust: 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.
The standout move of Q2 2026 was in Reserve coverage of non-performing loans: 44.29 percentage points higher than in Q1 2026, at 111.30%. Farmers & Merchants Bank & Trust ranks 111th of 153 Wisconsin banks on return on assets, in the lower half at 1.03% (Q2 2026). The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers & Merchants Bank & Trust sits 0.22 points lower, at 1.03% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 16.26% |
| Tier 1 risk-based capital ratio | 16.26% |
| Total risk-based capital ratio | 17.35% |
| Tier 1 leverage ratio | 11.36% |
| Equity capital to assets | 9.40% |
| Tangible equity to tangible assets | 9.40% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.91% |
| Non-performing assets ratio | 0.71% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 7.01% |
| Allowance for credit losses to loans | 1.02% |
| Reserve coverage of non-performing loans | 111.30% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.03% |
| Return on equity | 11.25% |
| Net interest margin | 4.20% |
| Efficiency ratio | 69.38% |
| Yield on earning assets | 5.54% |
| Cost of funds | 1.50% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 83.58% |
| Core deposits to total deposits | 95.29% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.34% |
| Securities to assets | 24.26% |
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 | 15.95% | 15.95% | 17.03% | 10.65% | 0.25% |
| Q4 2023 | 16.32% | 16.32% | 17.42% | 10.97% | -0.50% |
| Q1 2024 | 15.75% | 15.75% | 16.84% | 10.86% | 0.56% |
| Q2 2024 | 15.81% | 15.81% | 16.89% | 10.94% | 0.43% |
| Q3 2024 | 16.18% | 16.18% | 16.94% | 10.94% | 0.30% |
| Q4 2024 | 16.18% | 16.18% | 16.94% | 10.82% | 0.38% |
| Q1 2025 | 16.73% | 16.73% | 17.51% | 10.76% | 0.63% |
| Q2 2025 | 16.44% | 16.44% | 17.29% | 10.99% | 0.56% |
| Q3 2025 | 17.42% | 17.42% | 18.42% | 11.23% | 0.75% |
| Q4 2025 | 16.40% | 16.40% | 17.48% | 11.11% | 0.43% |
| Q1 2026 | 16.72% | 16.72% | 17.83% | 11.37% | 1.12% |
| Q2 2026 | 16.26% | 16.26% | 17.35% | 11.36% | 1.03% |
Farmers & Merchants Bank & Trust vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants Bank & Trust, 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 Farmers & Merchants Bank & Trust profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10382) · FFIEC NIC profile (RSSD 672247)