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 2.30
Capitalization Index 7.40
Liquidity Index 0.20
Profitability Index 5.20
Stability Index 5.50
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 6.36%
5-Year Asset Growth 38.58%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.21%
Non-Performing Assets to Assets 2.25%
Non-Performing Loans to Capital 21.56%
Non-Performing Loans to Loans 2.93%
Balance Sheet The Farmers & Merchants Bank
Berlin, WI
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Total Assets 961.20M
Total Deposits 836.45M
Capital and Reserves The Farmers & Merchants Bank
Berlin, WI
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Capital 76.98M
Leverage Ratio 9.26
Loan Loss Reserves to Loans 1.27%
Risk-Based Capital Ratio 13.52
Liquidity The Farmers & Merchants Bank
Berlin, WI
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Hot Money Ratio 13.28%
Liquidity Ratio 22.38%
Profitability The Farmers & Merchants Bank
Berlin, WI
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5-Year Return on Average Assets 1.18%
Net Income 9.12M
Net Interest Spread 3.26%
Operating Profit to Average Assets 1.39%
Overhead Efficiency Ratio 47.67%
Return on Assets 1.27%
Return on Equity 16.90%