D
The Farmers & Merchants Bank
Berlin,  WI
Rating Date
August 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers & Merchants Bank
Berlin, WI
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Rating D
Asset Quality Index 2.60
Capitalization Index 8.50
Liquidity Index 0.20
Profitability Index 4.60
Stability Index 6.00
Company Info The Farmers & Merchants Bank
Berlin, WI
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FDIC Number 15779
Phone Number (920) 361-1454
Website www.fmberlin.com
Asset Quality The Farmers & Merchants Bank
Berlin, WI
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1-Year Asset Growth -0.31%
5-Year Asset Growth 29.33%
5-Year Charge-Offs to Average Loans 0.12%
Charge-Offs to Average Loans 0.29%
Non-Performing Assets to Assets 2.65%
Non-Performing Loans to Capital 16.73%
Non-Performing Loans to Loans 2.89%
Balance Sheet The Farmers & Merchants Bank
Berlin, WI
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Total Assets 949.40M
Total Deposits 784.66M
Capital and Reserves The Farmers & Merchants Bank
Berlin, WI
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Capital 87.09M
Leverage Ratio 10.02
Loan Loss Reserves to Loans 1.40%
Risk-Based Capital Ratio 14.01
Liquidity The Farmers & Merchants Bank
Berlin, WI
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Hot Money Ratio 14.42%
Liquidity Ratio 20.55%
Profitability The Farmers & Merchants Bank
Berlin, WI
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5-Year Return on Average Assets 1.19%
Net Income 5.86M
Net Interest Spread 3.47%
Operating Profit to Average Assets 1.40%
Overhead Efficiency Ratio 50.65%
Return on Assets 1.22%
Return on Equity 14.32%