Farmers & Merchants State 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.
Reserve coverage of non-performing loans climbed 8.81 percentage points in Q2 2026, from 1444.85% to 1453.66%. It was the largest change from Q1 2026 among the key lines here. Within Wisconsin, Farmers & Merchants State Bank is 114th of 153 on return on assets, 1.02% as of Q2 2026, below the middle of the field. Farmers & Merchants State Bank reported 1.02% on return on assets for Q2 2026, 0.23 points below the 1.25% median for banks in the $100M-1B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 11.13% |
| Equity capital to assets | 10.87% |
| Tangible equity to tangible assets | 10.87% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.08% |
| Non-performing assets ratio | 0.07% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 0.56% |
| Allowance for credit losses to loans | 1.11% |
| Reserve coverage of non-performing loans | 1453.66% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.02% |
| Return on equity | 9.50% |
| Net interest margin | 3.50% |
| Efficiency ratio | 67.35% |
| Yield on earning assets | 5.44% |
| Cost of funds | 2.15% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 117.04% |
| Core deposits to total deposits | 94.47% |
| Brokered deposits to total deposits | 0.11% |
| Deposits to assets | 74.53% |
| Securities to assets | 6.06% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 10.38% | 0.90% | 2.57% | 0.24% | 0.01% |
| Q4 2023 | 10.71% | 1.57% | 2.70% | 0.24% | 0.02% |
| Q1 2024 | 10.77% | 0.60% | 2.63% | 0.23% | 0.00% |
| Q2 2024 | 10.86% | 0.58% | 2.72% | 0.09% | 0.00% |
| Q3 2024 | 10.85% | 0.61% | 2.71% | 0.09% | 0.01% |
| Q4 2024 | 10.51% | 0.76% | 2.80% | 0.08% | -0.00% |
| Q1 2025 | 10.74% | 0.56% | 2.82% | 0.10% | 0.00% |
| Q2 2025 | 11.04% | 0.69% | 3.01% | 0.08% | -0.00% |
| Q3 2025 | 11.17% | 0.77% | 3.11% | 0.08% | 0.00% |
| Q4 2025 | 10.85% | 1.32% | 3.32% | 0.08% | -0.07% |
| Q1 2026 | 11.01% | 0.81% | 3.32% | 0.08% | -0.03% |
| Q2 2026 | 11.13% | 1.02% | 3.50% | 0.08% | 0.00% |
Farmers & Merchants State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & Merchants State 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 Farmers & Merchants State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13242) · FFIEC NIC profile (RSSD 79145)