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Farmers And Merchants Union Bank
Columbus, WI · FDIC Certificate #14445 · Chartered 09/0
Total assets
$872.15M
Total deposits
$751.95M
Total equity
$101.96M
Net loans
$635.22M
Branches (offices)
13
Net income (YTD)
$7.23M
Rank: #1,169 of 4,213 U.S. banks by assets · #35 of 153 in Wisconsin. Assets changed 33.9% and deposits 33.1% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.76% |
| Return on equity | 15.11% |
| Net interest margin (YTD) | 4.18% |
| Equity to assets | 11.69% |
| Tier 1 leverage ratio | 9.97% |
| Uninsured deposits (share of deposits) | 14.6% |
| Noncurrent loans (share of loans) | 0.15% |
| Net charge-offs (share of loans) | -0.05% |
| Loans to deposits | 84.5% |
| Real estate loans (share of loans) | 87.9% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $558.30M | 87.9% | |
| Commercial & industrial | $35.27M | 5.6% | |
| Consumer / individual | $4.36M | 0.7% | |
| Construction & development | $71.48M | 11.3% | |
| Agricultural | $45.89M | 7.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $425.64M | $367.02M | $6.32M | $53.61M |
| Jun 2023 | $451.67M | $354.04M | $3.90M | $57.80M |
| Jun 2024 | $504.08M | $392.89M | $7.20M | $69.79M |
| Jun 2025 | $651.56M | $564.96M | $4.42M | $77.67M |
| Jun 2026 | $872.15M | $751.95M | $7.23M | $101.96M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $751.95M | 13 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $751.95M.
Similar-sized banks
Falcon National Bank ($872.31M) · Bogota Savings Bank ($871.76M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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