D
The Farmers & Merchants Bank
BerlinWI
Rating Date
March 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 2.30
Capitalization Index 7.70
Liquidity Index 0.20
Profitability Index 5.10
Stability Index 5.40
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 1.81%
5-Year Asset Growth 29.33%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.19%
Non-Performing Assets to Assets 2.16%
Non-Performing Loans to Capital 20.21%
Non-Performing Loans to Loans 2.77%
Balance Sheet The Farmers & Merchants Bank
Berlin, WI
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Total Assets 954.13M
Total Deposits 826.41M
Capital and Reserves The Farmers & Merchants Bank
Berlin, WI
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Capital 79.81M
Leverage Ratio 9.43
Loan Loss Reserves to Loans 1.35%
Risk-Based Capital Ratio 13.57
Liquidity The Farmers & Merchants Bank
Berlin, WI
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Hot Money Ratio 13.52%
Liquidity Ratio 21.14%
Profitability The Farmers & Merchants Bank
Berlin, WI
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5-Year Return on Average Assets 1.18%
Net Income 11.45M
Net Interest Spread 3.31%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 53.39%
Return on Assets 1.20%
Return on Equity 15.57%