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 125^th largest bank in the state of Wisconsin. It is also the 3,115^th largest bank in the nation. It was established in 1897 and as of March of 2019, it had grown to 30 employees at 2 locations. Farmers & Merchants State Bank (WI)'s savings rates are 6X the national average, and it boasts an A+ health rating.

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Health

A+

Data as of Q1 2019

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Health Grade Components

Overall
FDIC Certificate #	13242
Year Established	1897
Employees	30
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.34%
Return on Equity - YTD	12.16%
Annual Interest Income	$2.0MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$178.1MM$175.7MM
Loans	Q1 2019vs Q1 2018	$139.1MM$150.5MM
Deposits	Q1 2019vs Q1 2018	$130.6MM$127.9MM
Equity Capital	Q1 2019vs Q1 2018	$19.4MM$18.5MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$2.0MM$1.7MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$491.00K$768.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$121.00K

Rates

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Savings
Money Market
Checking
CD

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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
3.00%^*	-	$500	Custodial 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
3.00%	$500	-	60 Month CD
3.00%	$500	-	Business 60 Month CD
2.80%	$5k	-	39 Month Trade-Up CD Special
2.80%	$5k	-	Business 39 Month Trade-Up CD Special
2.63%^*	$50k^*	-	21 MONTH - Prime Powered CD Special
OTHER TIERS: 2.10% → $5k - $25k \| 2.36% → $25k - $50k
2.63%^*	$50k^*	-	Business 21 MONTH - Prime Powered CD Special
OTHER TIERS: 2.10% → $10k - $25k \| 2.36% → $25k - $50k
2.53%	$5k	-	36 Month Pocket Money CD Special
2.53%	$5k	-	48 Month Pocket Money CD Special
2.53%	$5k	-	60 Month Pocket Money CD Special
2.50%	$5k	-	29 Month Trade-Up CD Special
2.50%	$5k	-	Business 29 Month Trade-Up CD Special
2.22%	$5k	-	24 Month Pocket Money 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

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

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