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 119^th largest bank in the state of Wisconsin. It is also the 3,026^th 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

A+

Data as of Q1 2022

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Health Grade Components

Overall
FDIC Certificate #	13242
Year Established	1897
Employees	34
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	0.86%
Return on Equity - YTD	8.21%
Annual Interest Income	$1.7MM

Assets and Liabilities
Assets	Q1 2022vs Q1 2021	$212.8MM$207.5MM
Loans	Q1 2022vs Q1 2021	$162.4MM$164.3MM
Deposits	Q1 2022vs Q1 2021	$173.2MM$162.7MM
Equity Capital	Q1 2022vs Q1 2021	$21.8MM$22.1MM
Loan Loss Allowance	Q1 2022vs Q1 2021	$2.4MM$2.3MM
Unbacked Noncurrent Loans	Q1 2022vs Q1 2021	$0$0
Real Estate Owned	Q1 2022vs Q1 2021	$0$0

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
3.03%^*	-	$500	Custodial Savings
OTHER TIERS: 0.50% → $500+
3.03%^*	-	$500	Youth 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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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

APY	MIN	MAX	ACCOUNT NAME
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^*	$100k	20 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

Locations

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

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