Farmers & Merchants State Bank

BankWaterloo, Wisconsin
www.FandMStBk.com

Total Assets

$240.8M

Total Deposits

$179.7M

Branches

3

Established

1897

TFS Health Grade

$
F

58.0 / 100

Poor financial health

How we grade

Farmers & Merchants State Bank is a bank headquartered in Waterloo, Wisconsin, established in 1897. With $240.8M in total assets and 3 branch locations, it has a TFS Financial Health Grade of F (58.0/100).

Capital & Safety

Tier 1 Capital Ratio
10.85%(8%)
Total Capital Ratio
0.00%(10%)
Non-Performing Loan Ratio
0.00%

Profitability

Return on Assets (ROA)
0.84%(1%)
Return on Equity (ROE)
7.92%(10%)
Net Interest Margin
3.14%
Efficiency Ratio
70.59%(60%)

Lending & Liquidity

Total Loans
$207.3M
Loan-to-Deposit Ratio
114.04%
Net Charge-Off Ratio
-0.02%

Growth

Asset Growth (YoY)
+0.23%
Deposit Growth (YoY)
+1.84%
Net Income
$2.0M

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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