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The Farmers & Merchants Bank
BerlinWI
Rating Date
June 2025
Risk Based
Capital Ratio
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Capital
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Major Rating Factors: A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (5.0 on a scale of 0 to 10). A current level of 8.7 percent of nonperforming loans to core capital combined with 1.4 percent from a year earlier contributes to the Fair asset quality (3.6).
Other Rating Factors: Good current capitalization (7.0 on a scale of 0 to 10) based on a risk-based capital ratio of 12.7 and a capital leverage ratio of 9.0. Operating profits as a percentage of assets at 1.7%, coupled with a return on assets of 1.4 has resulted in Good (5.5) profitability.
Asset Mix: Comm re (22%), comm loans (17%), home mtgs (17%), securities (16%), cash (3%), consumer loans (1%), other (25%)
States with Branches: WI
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Liquidity
Liquidity Ratio
Hot Money
Corporate Info
Group Affiliation
Kujawa Family Holdings, Inc.
Investment Rating
--
Address
123 West Huron Street
Berlin, WI 54923
Phone Number
(920) 361-1454
Year Founded
1940
FDIC Number
Largest Affiliates
No affiliate information available.