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The Farmers & Merchants Bank

Berlin, WI
IDRSSD: 574949
Total Assets
$961.20M
Latest filing
Total Deposits
$836.45M
Latest filing
Net Interest Margin
3.08%
Profitability
0

Quarterly Trends

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Total Assets vs Total Liabilities

Loans & Leases vs Deposits

Interest Income vs Expense

Net Interest Income

Noninterest Expense vs Income

Net Income

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Institution Profile

Institution ClassCommercial bank, state charter, Fed member, supervised by FRB
Primary RegulatorFED
Established Date12/02/1940
Community BankYes
Ownership TypeNot Mutual
ZIP54923
State and County Number55047
Subchapter S CorporationsNo
Trust PowersN/A
Federal Reserve ID Number07
Numeric code13
Insured by FDICInstitutions that are currently open and insured by the FDIC
Federal Reserve DistrictChicago
Core Based Statistical Area NameN/A

Operational Info

Number of Employees58
Domestic Offices2
Foreign Offices0
US Offices0
Directly owned by another bank (CERT)No
Last Structure Change Effective Date08/31/2022
Date of Deposit Insurance12/02/1940
Primary Insurance AgencyDIF
Websitehttp://www.fmberlin.com
Data Updated11/14/2025
CERT15779
Office of The Comptroller District:—
Office of Thrift Supervision RegionN/A

Financial Summary

Total Assets$961.20M
Total Deposits$836.45M
Total Liabilities$884.22M
Total Equity Capital$76.98M
Net Income$2.30M
Net Loans and Leases$727.04M
Assets Per Employee ($Millions)$16.02M
Bank Premises and Fixed Assets$2.17M
Cash and Balances due from Depository Institutions$46.38M
Deposits Held in Domestic Offices$836.45M

Key Performance Ratios

Return on Assets (ROA)0.96%
Return on Equity (ROE)12.42%
Net Interest Margin3.08%
Efficiency Ratio55.29%
Tier 1 Risk-Based Capital Ratio12.266%
Net Loans and Leases to Core Deposits0%
Credit Loss Provision to Assets0.41%
Cash Dividends to Net Income (YTD Only)0%
Equity Capital to Assets8.008%
Earning Assets to total Assets96.79%

Income and Expense

Total Interest Income$14.20M
Total Noninterest Income$391.00k
Total Interest Expense$7.08M
Total Noninterest Expense$4.15M
Net Interest Income$7.12M
Pre-tax Net Operating Income$2.38M
Provision for Credit Losses$979.00k
Discontinued Operations (Extraordinary Gains - Net)$0

Additional Financial Info

Goodwill and Other Intangibles$0
All Other Assets$0
Other Real Estate Owned$0
Other borrowed funds$44.50M
Federal Funds Sold & Reverse Repurchase Agreement$0
Federal Funds Purchased and Repurchased Agreement$0
All Other Liabilities$3.27M
Total Liabilities and Capital$961.20M

Securities

Securities$160.41M
Available-for-sale debt securities$117.30M
Equity securities with readily determinable fair values not held for trading$0
Held-to-maturity securities$43.11M
Subordinated Debt$0
Trading Account Assets$0
Trading Liabilities$0

Frequently Asked Questions

What are the total assets of The Farmers & Merchants Bank?
$961.20M as of the latest filing.
How much are The Farmers & Merchants Bank's total deposits?
$836.45M in total deposits.
Where is The Farmers & Merchants Bank located?
Berlin, WI.
What is the Net Interest Margin?
3.08%.
How many domestic offices does it operate?
2.
When was it established?
12/02/1940.
What is the Return on Assets (ROA)?
0.96%.
How much are total loans and leases?
$727.04M (latest filing).
What is the total interest income (latest filing)?
$14.20M.