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 Farmers & Merchants State Bank
Farmers & Merchants State Bank
| RSSD ID 79145 | CERTIFICATE 13242 | ABA NUMBER 75907099 |
| 210 W Madison St |
Quarter Ended : |
2025-12-31 |
| Waterloo, Wisconsin, 53594 |
Updated : |
2026-01-30 |
| www.FandMStBk.com |
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| Institution Profile |
| Year Opened : |
1897 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
051 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
3 |
Number of Employees : |
29 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 240,843 |
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Total Interest Income | 12,092 |
| Total Liabilities | 215,205 |
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Total NonInterest Income | 1,376 |
| Total Bank Equity Capital | 25,638 |
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Total Interest Expense | 4,924 |
| Total Deposits | 179,696 |
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Total NonInterest Expense | 6,031 |
| Net Loans & Leases | 204,150 |
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Net Income | 2,001 |
| Loan Loss Allowance | 2,371 |
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Net Charge Offs | (37) |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 205,857 |
| Total assets for the leverage ratio | 241,944 |
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Loans secured by real estate: | 203,148 |
| Tier 1 Leverage Ratio | 10.85 |
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Commercial and industrial loans | 1,178 |
| Off Balance Sheet Exposures (%) | 4.64 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 891 |
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:· Farmers & Merchants State Bank
