Total Assets
$174M
Total balance-sheet footings
FDIC Cert #10382 · Marinette, Wisconsin · Est. 1902
Farmers & Merchants Bank & Trust - FDIC Bank Health Profile
A community-scale look at Farmers & Merchants Bank & Trust's own numbers, pulled straight from its quarterly FDIC Call Report.
- $174M
- Total assets
- B
- Health grade · Good
- 0.61%
- Return on assets
- 16.4%
- Tier 1 capital
Data updated July 2026
The verdict
Farmers & Merchants Bank & Trust earns a PlainBankData health grade of B (74/100), with well-capitalized at 16.40% Tier 1, 0.61% ROA, 76% efficiency ratio.
- #3,189
- largest of 4,313 FDIC banks by assets
- 26th
- percentile by asset size, nationally
- 16.40%
- Tier 1 ratio - above the 10% well-capitalized line
- 20th
- percentile for profitability (ROA), nationally
PlainBankData assigns this grade from public Call Report data; it isn't an official FDIC rating, and your deposits remain insured to $250,000 per depositor, per ownership category no matter the score.
How Farmers & Merchants Bank & Trust's 74/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
Farmers & Merchants Bank & Trust's composite health score
Tier 1 Capital Ratio (16.40%) 40/40
Return on Assets (ROA) (0.61%) 14/25
Texas Ratio (7.36%) 16/20
Efficiency Ratio (75.74%) 4/15
74 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$147M
Customer-funded liabilities
Net Loans
$118M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where Farmers & Merchants Bank & Trust ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers & Merchants Bank & Trust's score of 74/100 falls in the highlighted band.
Farmers & Merchants Bank & Trust'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 & Merchants Bank & Trust's $174M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
16.40% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
16.40%
Texas Ratio
7.36%
Equity Capital
$16M
Profitability metrics
Return on Assets (ROA)
20th percentile nationally
0.61%
Return on Equity (ROE)
6.91%
Efficiency Ratio
75.74%
What the numbers say about Farmers & Merchants Bank & Trust
Farmers & Merchants Bank & Trust is an FDIC-insured institution (Certificate #10382) headquartered in Marinette, Wisconsin, established in 1902. It holds $174M in total assets - 3,189th of 4,313 FDIC-insured banks, $147M in customer deposits, and $118M in net loans. Capital-wise, the Tier 1 ratio sits at 16.40%, clearing the federal 10% well-capitalized bar; the Texas Ratio reads 7.36%, a healthy figure under the 50% watch level. That combination rolls up into a PlainBankData health grade of B (74 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 & Merchants Bank & Trust sits 124th of 155 banks headquartered in Wisconsin by total assets, placing it in the middle tier of the state's banking landscape.
Income & expense breakdown
$9M
Interest Income
$431K
Non-Interest Income
$5M
Non-Interest Expense
Asset quality, Texas Ratio detail
The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers & Merchants Bank & Trust reports a Texas Ratio of 7.36% - comfortably in the healthy band; non-performing loans are a small fraction of the bank’s loss-absorbing capital.
Texas Ratio
Caution 50%
7.36% - 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 & Merchants Bank & Trust (FDIC Cert #10382) - 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 & Merchants Bank & Trust's health grade?▼
Farmers & Merchants Bank & Trust receives a health grade of B (74/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is Farmers & Merchants Bank & Trust?▼
Farmers & Merchants Bank & Trust holds $174M in total assets and $147M in deposits, ranking 3,189th of 4,313 FDIC-insured banks by asset size. It is headquartered in Marinette, Wisconsin.
Is my money safe at Farmers & Merchants Bank & Trust?▼
Yes, deposits at Farmers & Merchants Bank & Trust (Certificate #10382) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is Farmers & Merchants Bank & Trust's Tier 1 Capital Ratio?▼
Farmers & Merchants Bank & Trust has a Tier 1 Capital Ratio of 16.40%. That clears the federal 10% bar regulators use to call a bank "well-capitalized."
What is the Texas Ratio for Farmers & Merchants Bank & Trust?▼
Farmers & Merchants Bank & Trust has a Texas Ratio of 7.36%. 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 & Merchants Bank & Trust?▼
Farmers & Merchants Bank & Trust has an Efficiency Ratio of 75.74%. Past the 60% mark, a bigger slice of revenue is absorbed by operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read Farmers & Merchants Bank & Trust's profile as a depositor or analyst.
- Farmers & Merchants Bank & Trust's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare Farmers & Merchants Bank & Trust 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.