FDIC Cert #15779 · Berlin, Wisconsin · Est. 1940

The Farmers & Merchants Bank - FDIC Bank Health Profile

A community-scale look at The Farmers & Merchants Bank's own numbers, pulled straight from its quarterly FDIC Call Report.

Compiled from official public sources by the publisher.
$954M
Total assets
B
Health grade · Good
1.21%
Return on assets
12.3%
Tier 1 capital

Data updated July 2026

The verdict

The Farmers & Merchants Bank earns a PlainBankData health grade of B (77/100), with well-capitalized at 12.31% Tier 1, profitable at 1.21% ROA, efficient (53% cost ratio).

#1,086
largest of 4,313 FDIC banks by assets
75th
percentile by asset size, nationally
12.31%
Tier 1 ratio - above the 10% well-capitalized line
58th
percentile for profitability (ROA), nationally

The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.

FDIC Call Report plate

Cert 15779 · WI B · 77/100

GRADE-B · MID-PACK · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-PAR · SIZE-MID · BOOK-FULL

  • GRADE-B B (77/100)
  • MID-PACK #2325/4307
  • PHOTO-FINISH First State Bank · IL
  • TIER1-WELL 12.3% Tier 1
  • TEXAS-HEALTHY 22.7% Texas
  • ROA-PAR 1.21% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Wisconsin: First State Bank, IL (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around The Farmers & Merchants Bank

Lowest and highest poles plus nearest scored peers outside Wisconsin, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Citizens Bank & Trus… · KY ·…77/100First State Bank · IL · near77/100Merit Bank · AL · near77/100The Citizens State B… · KS ·…77/100The Farmers & Mercha… · WI ·…77/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around The Farmers & Merchants Bank · July 2026

Call Report read for The Farmers & Merchants Bank in a high-failure state

The Farmers & Merchants Bank (FDIC Cert #15779) carries a PlainBankData health grade of B at 77/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #2,325 of 4,307. Tier 1 capital prints at 12.31%, clearing the 10% well-capitalized line. The Texas Ratio is 22.66%, inside the sub-50% band analysts treat as healthy. Return on assets is 1.21%. Balance-sheet scale is $954M, 1,086th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is First State Bank (IL), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around The Farmers & Merchants Bank

11 FAILURE resolutions in Wisconsin since 2000, heavy vs the state corpus

The Farmers & Merchants Bank sits in one of the heavier post-2000 FAILURE states (11 resolutions; latest year 2017). The list below is state history from the Failed Bank List, not a claim about The Farmers & Merchants Bank's current Call Report.

  • GUARANTY BANK MILWAUKEE, WI 2017 → FIRST-CITIZENS BANK & TRUST COMPANY
  • NORTH MILWAUKEE STATE BANK MILWAUKEE, WI 2016 → FIRST-CITIZENS BANK & TRUST COMPANY
  • BANK OF WAUSAU WAUSAU, WI 2013 → NICOLET NATIONAL BANK

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Wisconsin banks.

How The Farmers & Merchants Bank's 77/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10077/100
The Farmers & Merchants Bank's composite health score
Tier 1 Capital Ratio (12.31%) 35/40
Return on Assets (ROA) (1.21%) 20/25
Texas Ratio (22.66%) 10/20
Efficiency Ratio (53.39%) 12/15

77 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$954M

Total balance-sheet footings

Total Deposits

$826M

Customer-funded liabilities

Net Loans

$733M

Outstanding loan book

Net Income

$11M

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 3% 6% 9% 12% 15% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 10.91% 12.31% 13.71%
Basel III capital ratios - The Farmers & Merchants Bank

Where The Farmers & Merchants Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers & Merchants Bank's score of 77/100 falls in the highlighted band.

The Farmers & Merchants Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

77 46th percentile higher than 46% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). Below this entry. 40–50: 98 FDIC-insured banks (2%). Below this entry. 50–60: 279 FDIC-insured banks (6%). Below this entry. 60–70: 777 FDIC-insured banks (18%). Below this entry. 70–80: 1,030 FDIC-insured banks (24%). This entry sits in this band. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. The Farmers & Merchants Bank 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

The Farmers & Merchants 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). The Farmers & Merchants Bank's $954M falls in the highlighted band.

Capital & credit buffers at The Farmers & Merchants Bank

Tier 1 capital ratio
Well-capitalized 10%

12.31% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
12.31%
Texas Ratio
22.66%
Equity Capital
$80M

What these ratios mean →

Earnings posture at The Farmers & Merchants Bank

Return on Assets (ROA)
58th percentile nationally
1.21%
Return on Equity (ROE)
15.50%
Efficiency Ratio
53.39%

What these mean →

Income & expense at The Farmers & Merchants Bank

$58M
Interest Income
$5M
Non-Interest Income
$18M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. The Farmers & Merchants Bank reports a Texas Ratio of 22.66% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

22.66% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

FDIC Failed Bank List → View The Farmers & Merchants Bank on FDIC BankFind →

Top banks in Wisconsin by total assets

Largest banks headquartered in Wisconsin
  1. 1
    Associated Bank $45.1B

    Green Bay, WI · Grade A

  2. 2
    Nicolet National Bank $9.2B

    Green Bay, WI · Grade A

  3. 3
    Johnson Bank $7.2B

    Racine, WI · Grade A

  4. 4
    Town Bank $4.5B

    Hartland, WI · Grade A

  5. 5
    Bank First $4.5B

    Manitowoc, WI · Grade A

Top 5 banks in Wisconsin ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($954M here), outside Wisconsin so the neighborhood is not state containment.

United Prairie Bank $954M · MN Thread Bank $954M · TN Golden State Bank $954M · CA Access Bank $954M · NE

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers & Merchants Bank (FDIC Cert #15779) - 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.

The Farmers & Merchants Bank Call Report profile · FDIC Failed Bank List · Wisconsin FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Wisconsin

All Wisconsin banks →
BankAssetsGradeROA
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%