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1001 Superior Avenue
Tomah, WI 54660

Farmers & Merchants Bank (WI) is headquartered in Tomah and is the 108th largest bank in the state of Wisconsin. It is also the 3,007th largest bank in the nation. It was established in 1911 and as of December of 2013, it had grown to 47 employees at 3 locations. Farmers & Merchants Bank (WI) has a A+ health rating.

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Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Farmers & Merchants Bank (WI) had $1.64 million in non-current loans and owned real-estate with $23.62 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank (WI) a Texas Ratio of 6.93% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers & Merchants Bank (WI) decreased dramatically from 11.59% as of December 31, 2012 to 6.93% as of December 31, 2013, resulting in a positive change of 40.16%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank (WI) has improved dramatically in recent periods.

Deposit Growth


In the past year, Farmers & Merchants Bank (WI) has increased its total deposits by $4.88 million, resulting in 2.83% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers & Merchants Bank (WI) has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers & Merchants Bank (WI) has $203.85 million in assets with $23.62 million in equity, resulting in a capitalization level of 11.59%, which is excellent.

Institution Statistics

FDIC Certificate #13046
Year Established1911
Primary RegulatorFDIC
Assets and Liabilities
Assets$203.85 million
Loans$112.64 million
Deposits$177.21 million
Equity Capital$19.37 million
Loan Loss Allowance$4.26 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$45,000
Historic Data - December 2012
Assets$200.59 million
Equity Capital$21.27 million
Loan Loss Allowance$4.07 million
Unbacked Noncurrent Loans$1.59 million
Real Estate Owned$220,000
Profit Margin - Quarterly
Net Interest Margin3.07%
Return on Assets0.56%
Return on Equity5.49%
Interest Income$7.15 million

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Farmers & Merchants Bank (WI) Locations
Farmers & Merchants Bank1001 Superior AvenueTomah, WI 54660
1500 Superior Avenue Branch1500 North Superior AvenueTomah, WI 54660
Warrens Branch301 Market StreetWarrens, WI 54666