The Farmers & Merchants Bank (WI)


Overview / Commentary
920-361-1454
123 W Huron Street
Berlin, WI 54923

The Farmers & Merchants Bank (WI) is headquartered in BERLIN and is the 32nd largest bank in the state of Wisconsin. It is also the 1,103rd largest bank in the nation. It was established in 1940 and as of March of 2025, it had grown to 56 employees at 2 locations. The Farmers & Merchants Bank (WI)'s money market rates are 8X the national average, and it has a B+ health rating.

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Health
B+

Health Grade Components

Overall
FDIC Certificate #15779
Year Established1940
Employees56
Primary RegulatorFED
Profit Margin
Return on Assets - YTD1.41%
Return on Equity - YTD18.67%
Annual Interest Income$14.1MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$934.8MM$884MM
LoansQ1 2025vs Q1 2024$728.1MM$692.2MM
DepositsQ1 2025vs Q1 2024$819.1MM$743.1MM
Equity CapitalQ1 2025vs Q1 2024$70.6MM$66.3MM
Loan Loss AllowanceQ1 2025vs Q1 2024$7.8MM$7.6MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$8.1MM$1MM
Real Estate OwnedQ1 2025vs Q1 2024$0$0
Rates
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Always verify rates and promotions with the bank or credit union. We are not The Farmers & Merchants 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.

The Farmers & Merchants Bank (WI) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.75%$0-FMB Kid’s Savings
0.60%*$15k*-Health Savings Account
OTHER TIERS: 0.05% $600 - $2.5k | 0.10% $2.5k - $5k | 0.25% $5k - $15k
0.45%*$25k*-Regular Savings
OTHER TIERS: 0.05% $0 - $2.5k | 0.15% $2.5k - $25k

The Farmers & Merchants Bank (WI) Money Market Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.55%*$5m*-FMB Money Market
OTHER TIERS: 0.25% $800 - $15k | 1.00% $15k - $100k | 1.26% $100k - $250k | 1.51% $250k - $500k | 2.53% $500k - $1m | 3.04% $1m - $5m

The Farmers & Merchants Bank (WI) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
0.20%*$25k*-FMB Ultimate Interest Checking
OTHER TIERS: 0.05% $0 - $2.5k | 0.10% $2.5k - $10k | 0.15% $10k - $25k

The Farmers & Merchants Bank (WI) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.03%$5k-8 Month CD Special
4.01%$5k-11 Month CD Special
3.75%$5k-23 Month CD Special
3.00%$5k-39 Month CD Special
2.75%$5k-59 Month CD Special
2.00%$500-12 Month CD
1.75%$500-18 Month CD
1.50%$500-24 Month CD
1.35%$500-36 Month CD
1.35%$500-48 Month CD
1.35%$500-60 Month CD
1.35%$0-60 Month Funeral Trust CD
0.50%$5k-3 Month CD Special
0.50%$500-6 Month CD

The Farmers & Merchants Bank (WI) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.04%$5k-8 Month IRA Special
4.04%$5k-11 Month IRA Special
3.79%$5k-23 Month IRA Special
3.02%$5k-39 Month IRA Special
2.77%$5k-59 Month IRA Special
2.01%$1-12 Month IRA
1.76%$1-18 Month IRA
1.51%$1-24 Month IRA
1.35%$1-36 Month IRA
1.35%$1-48 Month IRA
1.35%$1-60 Month IRA
0.50%$1-6 Month IRA
0.50%$1-3 Month IRA
Locations


The Farmers & Merchants Bank (WI) Locations
The Farmers & Merchants Bank123 W Huron StBerlin, WI 54923
Berlin Drive Up Location Branch663 Broadway StBerlin, WI 54923

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