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The Farmers & Merchants Bank
Berlin, WI · FDIC Certificate #15779 · Chartered 12/0
Total assets
$949.40M
Total deposits
$784.65M
Total equity
$87.09M
Net loans
$730.48M
Branches (offices)
2
Net income (YTD)
$5.86M
Rank: #1,089 of 4,213 U.S. banks by assets · #34 of 153 in Wisconsin. Assets changed -0.3% and deposits -5.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.23% |
| Return on equity | 14.23% |
| Net interest margin (YTD) | 3.42% |
| Equity to assets | 9.17% |
| Tier 1 leverage ratio | 10.02% |
| Uninsured deposits (share of deposits) | 7.4% |
| Noncurrent loans (share of loans) | 1.96% |
| Net charge-offs (share of loans) | 0.29% |
| Loans to deposits | 93.1% |
| Real estate loans (share of loans) | 80.0% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $584.40M | 80.0% | |
| Commercial & industrial | $143.02M | 19.6% | |
| Consumer / individual | $6.97M | 1.0% | |
| Construction & development | $67.73M | 9.3% | |
| Agricultural | $6.27M | 0.9% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $599.25M | $464.36M | $4.32M | $38.30M |
| Jun 2023 | $749.84M | $592.32M | $4.36M | $58.92M |
| Jun 2024 | $884.65M | $766.78M | $5.80M | $68.49M |
| Jun 2025 | $952.33M | $832.30M | $6.81M | $71.40M |
| Jun 2026 | $949.40M | $784.65M | $5.86M | $87.09M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Wisconsin | $784.65M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $784.65M.
Similar-sized banks
First National Bank Of Oklahoma ($949.87M) · C3Bank, National Association ($949.27M)
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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