Total Assets
$683M
Total balance-sheet footings
FDIC Cert #14445 · Columbus, Wisconsin · Est. 1861
Farmers and Merchants Union Bank - FDIC Bank Health Profile
A community-scale look at Farmers and Merchants Union Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $683M
- Total assets
- A
- Health grade · Excellent
- 1.85%
- Return on assets
- 12.5%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers and Merchants Union Bank earns a PlainBankData health grade of A (95/100), with well-capitalized at 12.47% Tier 1, profitable at 1.85% ROA, efficient (48% cost ratio).
- #1,403
- largest of 4,313 FDIC banks by assets
- 67th
- percentile by asset size, nationally
- 12.47%
- Tier 1 ratio - above the 10% well-capitalized line
- 87th
- percentile for profitability (ROA), nationally
This grade is PlainBankData's own interpretation of the bank's Call Report, not an FDIC rating, deposits here stay federally insured to $250,000 per depositor, per category, regardless of grade.
How Farmers and Merchants Union Bank's 95/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers and Merchants Union Bank's composite health score
Tier 1 Capital Ratio (12.47%) 35/40
Return on Assets (ROA) (1.85%) 25/25
Texas Ratio (0.00%) 20/20
Efficiency Ratio (47.65%) 15/15
95 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$582M
Customer-funded liabilities
Net Loans
$562M
Outstanding loan book
Net Income
$12M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers and Merchants Union Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Merchants Union Bank's score of 95/100 falls in the highlighted band.
Farmers and Merchants Union Bank's size among FDIC-insured banks
Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Merchants Union Bank's $683M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
12.47% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
12.47%
Texas Ratio
0.00%
Equity Capital
$84M
Profitability metrics
Return on Assets (ROA)
87th percentile nationally
1.85%
Return on Equity (ROE)
14.84%
Efficiency Ratio
47.65%
What the numbers say about Farmers and Merchants Union Bank
Farmers and Merchants Union Bank is an FDIC-insured institution (Certificate #14445) headquartered in Columbus, Wisconsin, established in 1861. It holds $683M in total assets - 1,403rd of 4,313 FDIC-insured banks, $582M in customer deposits, and $562M in net loans. Capital-wise, the Tier 1 ratio sits at 12.47%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 0.00%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of A (95 of 100), blending Tier 1 capital, ROA, the Texas Ratio, and efficiency. These figures come directly from the bank's quarterly FDIC Call Report.
Farmers and Merchants Union Bank sits 48th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$39M
Interest Income
$2M
Non-Interest Income
$14M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Merchants Union Bank reports a Texas Ratio of 0.00% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
0.00% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Wisconsin by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Merchants Union Bank (FDIC Cert #14445) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.
Other banks in Wisconsin
All Wisconsin banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| Associated Bank, National AssociationGreen Bay | $45.1B | A | 1.10% |
| Nicolet National BankGreen Bay | $9.2B | A | 1.66% |
| Johnson BankRacine | $7.2B | A | 1.07% |
| Town Bank, National AssociationHartland | $4.5B | A | 1.27% |
| Bank First, N.A.Manitowoc | $4.5B | A | 1.64% |
| First Business BankMadison | $4.1B | B | 1.36% |
| John Deere Financial, f.s.b.Middleton | $3.4B | A | 3.87% |
| Lake Ridge BankMiddleton | $3.3B | B | 0.98% |
Frequently asked questions
What is Farmers and Merchants Union Bank's health grade?▼
Farmers and Merchants Union Bank receives a health grade of A (95/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank demonstrates excellent financial health with strong capital ratios and profitability.
How large is Farmers and Merchants Union Bank?▼
Farmers and Merchants Union Bank holds $683M in total assets and $582M in deposits, ranking 1,403rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Columbus, Wisconsin.
Is my money safe at Farmers and Merchants Union Bank?▼
Yes, deposits at Farmers and Merchants Union Bank (Certificate #14445) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers and Merchants Union Bank's Tier 1 Capital Ratio?▼
Farmers and Merchants Union Bank has a Tier 1 Capital Ratio of 12.47%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers and Merchants Union Bank?▼
Farmers and Merchants Union Bank has a Texas Ratio of 0.00%. Staying under 50% is the level analysts treat as healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is Farmers and Merchants Union Bank?▼
Farmers and Merchants Union Bank has an Efficiency Ratio of 47.65%. Under the 60% mark counts as efficient, more of every revenue dollar reaches the bottom line. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers and Merchants Union Bank's profile as a depositor or analyst.
- Farmers and Merchants Union Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers and Merchants Union Bank against other Wisconsin banks before moving funds. Wisconsin banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.