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Farmers & Merchants State Bank (WI)


Overview / Commentary
www.fandmstbk.com
920-478-2181
210 West Madison
Waterloo, WI 53594

Farmers & Merchants State Bank (WI) is headquartered in Waterloo and is the 122nd largest bank in the state of Wisconsin. It is also the 3,067th largest bank in the nation. It was established in 1897 and as of December of 2019, it had grown to 32 employees at 2 locations. Farmers & Merchants State Bank (WI)'s money market rates are 80% higher than the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q4 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #13242
Year Established1897
Employees32
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.33%
Return on Equity - YTD11.94%
Annual Interest Income$7.8MM
Assets and Liabilities
AssetsQ4 2019vs Q4 2018$179.3MM$166.8MM
LoansQ4 2019vs Q4 2018$144.4MM$139.6MM
DepositsQ4 2019vs Q4 2018$137.2MM$119.8MM
Equity CapitalQ4 2019vs Q4 2018$20.0MM$18.7MM
Loan Loss AllowanceQ4 2019vs Q4 2018$2.0MM$1.8MM
Unbacked Noncurrent LoansQ4 2019vs Q4 2018$1,000$703.00K
Real Estate OwnedQ4 2019vs Q4 2018$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
3.03%*-$500Custodial Savings
OTHER TIERS: 0.50% → $500+
3.03%*-$500Youth Savings
OTHER TIERS: 0.50% → $500+
0.52%$100-HSA Checking
0.50%$10-Holiday Savings
0.22%*$25k*-Prosperity Premium Savings
OTHER TIERS: 0.07% → Up to $25k
0.22%*$25k*-Business Premium Savings
OTHER TIERS: 0.07% → Up to $25k
0.07%$100-Personal Savings
0.07%$100-IRA Passbook Savings

Farmers & Merchants State Bank (WI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.79%*$250k*-Premium Money Market
OTHER TIERS: 0.01% → Up to $249k
0.79%*$250k*-Business Premium Money Market
OTHER TIERS: 0.01% → Up to $249k
0.30%*$150k*-Business Money Market
OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $50k | 0.15% → $50k - $75k | 0.20% → $75k - $100k | 0.25% → $100k - $150k
0.30%*$150k*-Money Market
OTHER TIERS: 0.05% → Up to $25k | 0.10% → $25k - $50k | 0.15% → $50k - $75k | 0.20% → $75k - $100k | 0.25% → $100k - $150k

Farmers & Merchants State Bank (WI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.05%$2.5k-Prosperity Checking
0.05%*$2.5k*-Commercial Interest Checking
OTHER TIERS: 0.01% → Up to $2.5k

Farmers & Merchants State Bank (WI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
1.00%$20-20 Month Dream Builder CD Special
1.00%$500-60 Month CD
1.00%$500-Business 60 Month CD
0.95%$5k-36 Month Reverse CD Special
0.95%$5k-48 Month Reverse CD Special
0.95%$5k-60 Month Reverse CD Special
0.75%$500-36 Month CD
0.75%$500-Business 36 Month CD
0.75%$5k-24 Month Reverse CD Special
0.65%$500-16 Month Sweet Sixteen CD Special
0.65%$500-Business 16 Month Sweet Sixteen CD Special
0.60%$500-24 Month CD
0.60%$500-Business 24 Month CD
0.35%$500-18 Month CD
0.30%$500-12 Month CD
0.30%$500-Business 12 Month CD
Locations


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

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