Branch Network
Farmers & Merchants State Bank Locations & Branches Waterloo, Wisconsin
BankRegReports is independent of Farmers & Merchants State Bank and never asks for online banking logins or passwords.
Farmers & Merchants State Bank operates 3 branches from its headquarters in Waterloo, WI, .
Farmers & Merchants State Bank branch network
All 3 branches are in WISCONSIN, across 3 cities. Its largest office by deposits is its main office in Waterloo, WI, with $89.8M (49.1% of its branch deposits). It had the same number of branches on June 30, 2025.
Farmers & Merchants State Bank at a glance
It reports no CET1 ratio; its Tier 1 leverage ratio was 11.13% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Total assets, Q2 2026
- $245.6M
- Tier 1 leverage ratio, Q2 2026
- 11.13%
- Deposit insurance
- FDIC
- Regulator
- FDIC
- Latest call report
- Q2 2026, FFIEC 051
- Established
- 1897
Full financial profile · Is Farmers & Merchants State Bank safe? · Farmers & Merchants State Bank call report · Routing number
Deposit market share
Share of all FDIC-insured deposits held in each area, from the June 30, 2026 Summary of Deposits. Rank 1 is the largest holder. Shares are by bank charter, not by holding company.
| Area | Rank | Deposit share | Deposits |
|---|---|---|---|
| City: Waterloo, WI (1 branch) | 1 of 1 | 100.0% | $89.8M |
| State: WI (3 branches) | 128 of 185 | <0.1% | $183.0M |
Ranked by total assets among banks headquartered in the state: Largest banks in Wisconsin.
Share by county and metro area
Farmers & Merchants State Bank's share of FDIC-insured deposits in the counties and metro areas where it has branches, from the June 30, 2026 Summary of Deposits. Up to the ten largest of each are shown, by the bank's deposits. Rank 1 is the largest holder. Banks only: credit unions are not in the Summary of Deposits.
Counties
| County | Rank | Deposit share | Deposits | County total |
|---|---|---|---|---|
| Jefferson, WI (2 branches) | 8 of 11 | 4.5% | $105.7M | $2.34B |
| Dane, WI (1 branch) | 25 of 33 | 0.3% | $77.3M | $26.10B |
Metro areas
| Metro area | Rank | Deposit share | Deposits | Metro total |
|---|---|---|---|---|
| Watertown-Fort Atkinson, WI (2 branches) | 8 of 11 | 4.5% | $105.7M | $2.34B |
| Madison, WI (1 branch) | 34 of 41 | 0.3% | $77.3M | $30.15B |
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers & Merchants State Bank (main office) | Waterloo, WI | 53594 | $89.8M |
| Marshall Branch | Marshall, WI | 53559 | $77.3M |
| Lake Mills Branch | Lake Mills, WI | 53551 | $15.9M |
Source: FDIC Summary of Deposits, June 30, 2026. How the survey works.
Regulator records: FDIC BankFind (cert 13242) · FFIEC NIC profile (RSSD 79145)