The Farmers & Merchants Bank
Berlin, WI
IDRSSD: 574949
Total Assets
$954.13M
Latest filing
Total Deposits
$826.41M
Latest filing
Net Interest Margin
3.43%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers & Merchants Bank
123 W Huron St
Berlin, WI 54923
Full Service - Brick and Mortar
Updated 01/30/2026Established 12/02/1940FDIC Certificate 10026
Branches (1)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| The Farmers & Merchants Bank (Main) | 123 W Huron St | Berlin, WI |
| BERLIN DRIVE UP LOCATION BRANCH | 663 Broadway | Berlin, WI |
Showing 1 of 1
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 Class | Commercial bank, state charter, Fed member, supervised by FRB |
| Primary Regulator | FED |
| Established Date | 12/02/1940 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 54923 |
| State and County Number | 55047 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 07 |
| Numeric code | 13 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | N/A |
Operational Info
| Number of Employees | 60 |
| Domestic Offices | 2 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 12/02/1940 |
| Primary Insurance Agency | DIF |
| Website | http://www.fmberlin.com |
| Data Updated | 01/30/2026 |
| CERT | 15779 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $954.13M |
| Total Deposits | $826.41M |
| Total Liabilities | $874.32M |
| Total Equity Capital | $79.81M |
| Net Income | $2.33M |
| Net Loans and Leases | $732.77M |
| Assets Per Employee ($Millions) | $15.39M |
| Bank Premises and Fixed Assets | $2.10M |
| Cash and Balances due from Depository Institutions | $32.12M |
| Deposits Held in Domestic Offices | $826.41M |
Key Performance Ratios
| Return on Assets (ROA) | 0.97% |
| Return on Equity (ROE) | 11.89% |
| Net Interest Margin | 3.43% |
| Efficiency Ratio | 65.81% |
| Tier 1 Risk-Based Capital Ratio | 12.314% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.43% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 8.365% |
| Earning Assets to total Assets | 96.72% |
Income and Expense
| Total Interest Income | $14.86M |
| Total Noninterest Income | $2.93M |
| Total Interest Expense | $6.92M |
| Total Noninterest Expense | $7.16M |
| Net Interest Income | $7.94M |
| Pre-tax Net Operating Income | $2.69M |
| Provision for Credit Losses | $1.02M |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $42.50M |
| Federal Funds Sold & Reverse Repurchase Agreement | $0 |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $5.40M |
| Total Liabilities and Capital | $954.13M |
Securities
| Securities | $161.65M |
| Available-for-sale debt securities | $118.85M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $42.80M |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers & Merchants Bank?
$954.13M as of the latest filing.
How much are The Farmers & Merchants Bank's total deposits?
$826.41M in total deposits.
Where is The Farmers & Merchants Bank located?
Berlin, WI.
What is the Net Interest Margin?
3.43%.
How many domestic offices does it operate?
2.
When was it established?
12/02/1940.
What is the Return on Assets (ROA)?
0.97%.
How much are total loans and leases?
$732.77M (latest filing).
What is the total interest income (latest filing)?
$14.86M.