Overview / Commentary
210 West Madison
Waterloo, WI 53594

Farmers & Merchants State Bank (WI) is headquartered in Waterloo and is the 131st largest bank in the state of Wisconsin. It is also the 3,229th largest bank in the nation. It was established in 1897 and as of December of 2018, it had grown to 31 employees at 2 locations. Farmers & Merchants State Bank (WI)'s savings rates are 6X the national average, and it has a B+ health rating.


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Health Grade Components

FDIC Certificate #13242
Year Established1897
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.21%
Return on Equity - YTD11.11%
Annual Interest Income$7.0MM
Assets and Liabilities
AssetsQ4 2018vs Q4 2017$166.8MM$176.9MM
LoansQ4 2018vs Q4 2017$139.6MM$149.8MM
DepositsQ4 2018vs Q4 2017$119.8MM$129.9MM
Equity CapitalQ4 2018vs Q4 2017$18.7MM$18.0MM
Loan Loss AllowanceQ4 2018vs Q4 2017$1.8MM$1.9MM
Unbacked Noncurrent LoansQ4 2018vs Q4 2017$703.00K$769.00K
Real Estate OwnedQ4 2018vs Q4 2017$0$0
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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

3.00%*-$500Custodial Savings
OTHER TIERS: 0.50% $500+
0.52%$100-HSA Checking
0.50%$10-Youth Savings
0.50%$10-Holiday Savings
0.40%$10k-Business Overnight Account
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

1.00%*$250k*-Premium Money Market
OTHER TIERS: 0.01% Up to $249k
1.00%*$250k*-Business Premium Money Market
OTHER TIERS: 0.01% Up to $249k
0.40%*$150k*-Business Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $100k - $150k
0.40%*$150k*-Money Market
OTHER TIERS: 0.15% Up to $25k | 0.20% $25k - $50k | 0.25% $50k - $75k | 0.30% $75k - $100k | 0.35% $100k - $150k

Farmers & Merchants State Bank (WI) Checking Account Rates

0.05%$2.5k-Prosperity Checking
0.05%*$2.5k*-Business Interest Checking
OTHER TIERS: 0.01% Up to $2.5k

Farmers & Merchants State Bank (WI) CD Rates

3.00%$500-60 Month CD
3.00%$500-Business 60 Month CD
3.00%$5k-39 Month Trade-Up CD Special
3.00%$5k-Business 39 Month Trade-Up CD Special
2.75%*$50k*-21 MONTH - Prime Powered CD Special
OTHER TIERS: 2.20% $10k - $25k | 2.48% $25k - $50k
2.75%*$50k*-Business 21 MONTH - Prime Powered CD Special
OTHER TIERS: 2.20% $10k - $25k | 2.48% $25k - $50k
2.70%$5k-29 Month Trade-Up CD Special
2.70%$5k-Business 29 Month Trade-Up CD Special
2.00%$20-20 Month Dream Builder CD Special
1.75%$500-16 Month Sweet Sixteen CD Special
1.75%$500-Business 16 Month Sweet Sixteen CD Special
1.65%$10k-Business 5 Year CDAR
1.04%$10k-Business 3 Year CDAR
1.00%$500-36 Month CD
1.00%$500-Business 36 Month CD
0.79%$500-24 Month CD
0.79%$500-Business 24 Month CD
0.69%$10k-Business 2 Year CDAR
0.65%$500-18 Month CD
0.59%$500-12 Month CD
0.59%$500-Business 12 Month CD
0.49%$10k-Business 52 Week CDAR
0.22%$10k-Business 26 Week CDAR
0.18%$10k-Business 13 Week CDAR
0.12%$10k-Business 4 Week CDAR

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

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