Farmers & Merchants State Bank (WI)

Overview / Commentary
210 West Madison
Waterloo, WI 53594

Farmers & Merchants State Bank (WI) is headquartered in Waterloo and is the 117th largest bank in the state of Wisconsin. It is also the 2,983rd largest bank in the nation. It was established in 1897 and as of June of 2020, it had grown to 30 employees at 2 locations. Farmers & Merchants State Bank (WI) has an A+ health rating.


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Health Grade Components

FDIC Certificate #13242
Year Established1897
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.25%
Return on Equity - YTD11.4%
Annual Interest Income$3.8MM
Assets and Liabilities
AssetsQ2 2020vs Q2 2019$202.7MM$181.9MM
LoansQ2 2020vs Q2 2019$165.3MM$140.4MM
DepositsQ2 2020vs Q2 2019$148.9MM$131.7MM
Equity CapitalQ2 2020vs Q2 2019$21.4MM$20.0MM
Loan Loss AllowanceQ2 2020vs Q2 2019$2.1MM$2.0MM
Unbacked Noncurrent LoansQ2 2020vs Q2 2019$0$20.00K
Real Estate OwnedQ2 2020vs Q2 2019$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

3.03%*-$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

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

Farmers & Merchants State Bank (WI) Checking Account Rates

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

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%$500-60 Month CD
0.75%$500-Business 60 Month CD
0.75%$5k-24 Month Reverse CD Special
0.55%*$20*$100k20 Month Dream Builder CD Special
OTHER TIERS: 0.07% $100k+
0.50%$500-16 Month Sweet Sixteen CD Special
0.50%$500-Business 16 Month Sweet Sixteen CD Special
0.45%$500-36 Month CD
0.45%$500-Business 36 Month CD
0.35%$500-24 Month CD
0.35%$500-Business 24 Month CD
0.30%$500-12 Month CD
0.30%$500-Business 12 Month CD
0.30%$500-18 Month CD

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

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