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 119th largest bank in the state of Wisconsin. It is also the 3,026th largest bank in the nation. It was established in 1897 and as of March of 2022, it had grown to 34 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 - YTD0.86%
Return on Equity - YTD8.21%
Annual Interest Income$1.7MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$212.8MM$207.5MM
LoansQ1 2022vs Q1 2021$162.4MM$164.3MM
DepositsQ1 2022vs Q1 2021$173.2MM$162.7MM
Equity CapitalQ1 2022vs Q1 2021$21.8MM$22.1MM
Loan Loss AllowanceQ1 2022vs Q1 2021$2.4MM$2.3MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$0$0
Real Estate OwnedQ1 2022vs Q1 2021$0$0
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Always verify rates and promotions with the bank or credit union. We are not Farmers & Merchants State Bank (WI); we are a rate comparison website and cannot provide official rates or promotions.

* 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

0.45%*$250k*-Premium Money Market
OTHER TIERS: 0.01% Up to $249k
0.45%*$250k*-Business Premium Money Market
OTHER TIERS: 0.01% Up to $249k
0.31%*$150k*-Business Money Market
OTHER TIERS: 0.10% Up to $25k | 0.11% $25k - $50k | 0.16% $50k - $75k | 0.21% $75k - $100k | 0.26% $100k - $150k
0.31%*$150k*-Money Market
OTHER TIERS: 0.10% Up to $25k | 0.11% $25k - $50k | 0.16% $50k - $75k | 0.21% $75k - $100k | 0.26% $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

2.01%$5k-29 Month Trade-Up CD Special
2.01%$5k-Business 29 Month Trade-Up CD Special
1.25%$500-18 Month CD Special -125th Anniversary
1.00%$500-16 Month Sweet Sixteen CD Special
1.00%$500-Business 16 Month Sweet Sixteen CD Special
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
0.75%$500-9 Month Option CD Special
0.55%*$20*$100k20 Month Dream Builder CD Special
OTHER TIERS: 0.07% $100k+
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

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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