D
The Farmers & Merchants Bank
BerlinWI
Rating Date
October 2025
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 3.40
Capitalization Index 7.20
Liquidity Index 0.20
Profitability Index 5.70
Stability Index 5.00
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 7.65%
5-Year Asset Growth 38.58%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.32%
Non-Performing Assets to Assets 1.12%
Non-Performing Loans to Capital 10.95%
Non-Performing Loans to Loans 1.44%
Balance Sheet The Farmers & Merchants Bank
Berlin, WI
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Total Assets 952.33M
Total Deposits 832.30M
Capital and Reserves The Farmers & Merchants Bank
Berlin, WI
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Capital 71.40M
Leverage Ratio 9.22
Loan Loss Reserves to Loans 1.13%
Risk-Based Capital Ratio 13.09
Liquidity The Farmers & Merchants Bank
Berlin, WI
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Hot Money Ratio 13.54%
Liquidity Ratio 20.67%
Profitability The Farmers & Merchants Bank
Berlin, WI
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5-Year Return on Average Assets 1.18%
Net Income 6.81M
Net Interest Spread 3.32%
Operating Profit to Average Assets 1.59%
Overhead Efficiency Ratio 44.12%
Return on Assets 1.44%
Return on Equity 19.25%