The Farmers & Merchants Bank

BankBerlin, Wisconsin
http://www.fmberlin.com

Total Assets

$954.1M

Total Deposits

$826.4M

Branches

2

Established

1940

TFS Health Grade

$
D+

69.8 / 100

Below average financial health

How we grade

The Farmers & Merchants Bank is a bank headquartered in Berlin, Wisconsin, established in 1940. With $954.1M in total assets and 2 branch locations, it has a TFS Financial Health Grade of D+ (69.8/100).

Capital & Safety

Tier 1 Capital Ratio
9.43%(8%)
Total Capital Ratio
13.57%(10%)
Non-Performing Loan Ratio
2.74%

Profitability

Return on Assets (ROA)
1.21%(1%)
Return on Equity (ROE)
15.50%(10%)
Net Interest Margin
3.27%
Efficiency Ratio
53.39%(60%)

Lending & Liquidity

Total Loans
$742.8M
Loan-to-Deposit Ratio
88.67%
Net Charge-Off Ratio
0.19%

Growth

Asset Growth (YoY)
+1.81%
Deposit Growth (YoY)
+3.72%
Net Income
$11.4M

Data sourced from FDIC BankFind Suite / NCUA Call Reports as of 2025-Q4. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.

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