Farmers & Merchants State Bank (WI)

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LOCATIONS

Business 5 Year CDARS

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Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.50%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.24%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD
0.07%	Savings	Personal Savings 1.00% - Ally Bank Online Savings Account

View all Farmers & Merchants State Bank (WI) rates »

Overview / Commentary

www.fandmstbk.com

888-478-3007

210 West Madison
Waterloo, WI 53594

Farmers & Merchants State Bank (WI) is headquartered in Waterloo and is the 132^nd largest bank in the state of Wisconsin. It is also the 3,380^th largest bank in the nation. It was established in 1897 and as of June of 2016, it had grown to 32 employees at 2 locations. Farmers & Merchants State Bank (WI)'s money market rates are 14% higher than the national average, and it has an A health rating.

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Health

A

Data as of Q2 2016

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Health Grade Components

Overall
FDIC Certificate #	13242
Year Established	1897
Employees	32
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.96%
Return on Equity - YTD	8.7%
Annual Interest Income	$3.2MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$165.7MM$161.1MM
Loans	Q2 2016vs Q2 2015	$133.0MM$132.2MM
Deposits	Q2 2016vs Q2 2015	$113.3MM$113.8MM
Equity Capital	Q2 2016vs Q2 2015	$18.6MM$17.7MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$2.0MM$2.0MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$808.00K$1.4MM
Real Estate Owned	Q2 2016vs Q2 2015	$0$299.00K

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

APY	MIN	MAX	ACCOUNT NAME
0.50%	-	-	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

Farmers & Merchants State Bank (WI) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.50%^*	$100k^*	-	Online Money Market Savings
OTHER TIERS: 0.05% → Up to $50k \| 0.30% → $50k - $100k
0.35%^*	$150k^*	-	Business Money Market Deposit Accounts
OTHER TIERS: 0.10% → Up to $25k \| 0.15% → $25k - $50k \| 0.20% → $50k - $75k \| 0.25% → $75k - $100k \| 0.30% → $100k - $150k

Farmers & Merchants State Bank (WI) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%	$2,500	-	Prosperity Checking
0.05%^*	$2,500^*	-	Commercial Interest Checking
OTHER TIERS: 0.01% → Up to $2,500

Farmers & Merchants State Bank (WI) CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.65%	$10k	-	Business 5 Year CDARS
1.50%	$500	-	60 Month CD
1.25%	$500	-	Commercial 60 Month CD
1.04%	$10k	-	Business 3 Year CDARS
1.01%	$5k	-	29 Month Trade-Up CD
1.01%	$20	-	20 Month Dream Builder CD
1.01%	$5k	-	Commercial 29 Month Trade-Up CD
0.85%	$500	-	16 Month Sweet Sixteen CD Special
0.75%	$500	-	36 Month CD
0.75%	$500	-	Commercial 36 Month CD
0.74%	$500	-	Commercial 16 Month Sweet Sixteen CD Special
0.69%	$10k	-	Business 2 Year CDARS
0.54%	$500	-	24 Month CD
0.54%	$500	-	Commercial 24 Month CD
0.49%	$10k	-	Business 52 Week CDARS
0.24%	$500	-	12 Month CD
0.24%	$500	-	Commercial 12 Month CD
0.22%	$10k	-	Business 26 Week CDARS
0.18%	$10k	-	Business 13 Week CDARS
0.12%	$10k	-	Business 4 Week CDARS

Locations

Farmers & Merchants State Bank (WI) Locations
Farmers & Merchants State Bank	210 West Madison	Waterloo, WI 53594
Marshall Branch	218 West Main	Marshall, WI 53559