Farmers & Merchants State Bank (WI)


Overview / Commentary
920-478-2181
210 West Madison
Waterloo, WI 53594

Farmers & Merchants State Bank (WI) is headquartered in WATERLOO and is the 108th largest bank in the state of Wisconsin. It is also the 2,820th largest bank in the nation. It was established in 1897 and as of March of 2024, it had grown to 30 employees at 3 locations. Farmers & Merchants State Bank (WI)'s savings rates are 5X the national average, and it has an A health rating.

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Health

Health Grade Components

Overall
FDIC Certificate #13242
Year Established1897
Employees30
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.59%
Return on Equity - YTD5.85%
Annual Interest Income$2.6MM
Assets and Liabilities
AssetsQ1 2024vs Q1 2023$234.7MM$244MM
LoansQ1 2024vs Q1 2023$197.2MM$195.3MM
DepositsQ1 2024vs Q1 2023$170.8MM$173.6MM
Equity CapitalQ1 2024vs Q1 2023$23.7MM$21.9MM
Loan Loss AllowanceQ1 2024vs Q1 2023$2.4MM$2.4MM
Unbacked Noncurrent LoansQ1 2024vs Q1 2023$284K$284K
Real Estate OwnedQ1 2024vs Q1 2023$0$0
Rates
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants State Bank (WI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.00%*$0$500Custodial Savings
OTHER TIERS: 0.50% $500+
3.00%*$0$500Youth Savings
OTHER TIERS: 0.50% $500+
2.52%*$100k*-Business Platinum Savings
OTHER TIERS: 0.22% $0 - $100k
2.52%*$100k*-Platinum Savings
OTHER TIERS: 0.22% $0 - $100k
1.53%*$7.5k*-HSA Checking
OTHER TIERS: 0.52% $100 - $7.5k
1.25%$10-Holiday Savings
0.22%*$25k*-Prosperity Premium Savings
OTHER TIERS: 0.07% $0 - $25k
0.22%*$25k*-Business Savings
OTHER TIERS: 0.07% $0 - $25k
0.07%$100-Personal Savings
0.07%$100-IRA Passbook Savings

Farmers & Merchants State Bank (WI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$150k*-Business Prime Money Market
OTHER TIERS: 0.16% $0 - $150k
2.04%*$250k*-Premium Money Market
OTHER TIERS: 0.16% $0 - $249k
2.04%*$250k*- Premium Business Money Market
OTHER TIERS: 0.16% $0 - $250k
0.31%*$150k*-Business Money Market
OTHER TIERS: 0.16% $0 - $75k | 0.21% $75k - $100k | 0.26% $100k - $150k
0.31%*$150k*-Money Market
OTHER TIERS: 0.16% $0 - $75k | 0.21% $75k - $100k | 0.26% $100k - $150k

Farmers & Merchants State Bank (WI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.00%*$0$1.5kPrime Checking
OTHER TIERS: 0.01% $1.5k+
0.05%$2.5k-Prosperity Checking
0.05%*$2.5k*-Commercial Interest Checking
OTHER TIERS: 0.01% $0 - $2.5k

Farmers & Merchants State Bank (WI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
5.25%$500-9 Month Option CD Special
5.25%$500-Business 9 Month Option CD Special
4.75%$500-18 Month CD
4.75%$500-Business 18 Month CD
4.75%$500-18 Month HSA CD
4.25%$5k-25 Month CD Special
4.25%$5k-Business 25 Month CD Special
4.00%$500-36 Month CD
4.00%$500-24 Month CD
4.00%$500-Business 24 Month CD
4.00%$500-Business 36 Month CD
4.00%$500-24 Month HSA CD
4.00%$500-36 Month HSA CD
3.88%$5k-29 Month Trade-Up CD Special
3.88%$5k-Business 29 Month Trade-Up CD Special
3.80%$500-60 Month CD
3.80%$500-Business 60 Month CD
3.80%$500-60 Month HSA CD
3.75%$5k-24 Month Reverse CD Special
3.75%$5k-36 Month Reverse CD Special
3.75%$5k-48 Month Reverse CD Special
3.75%$5k-60 Month Reverse CD Special
3.51%$20-20 Month Dream Builder CD Special
3.00%$500-12 Month CD
3.00%$500-Business 12 Month CD
3.00%$500-12 Month HSA CD

Farmers & Merchants State Bank (WI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.75%$500-18 Month IRA
4.17%$500-6 Month IRA
4.00%$500-24 Month IRA
4.00%$500-36 Month IRA
3.80%$500-60 Month IRA
3.00%$500-12 Month IRA
Locations


Farmers & Merchants State Bank (WI) Locations
Farmers & Merchants State Bank210 W Madison StWaterloo, WI 53594
Marshall Branch218 West MainMarshall, WI 53559

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