D
The Farmers & Merchants Bank
BerlinWI
Rating Date
June 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 3.60
Capitalization Index 7.00
Liquidity Index 0.20
Profitability Index 5.50
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 5.74%
5-Year Asset Growth 38.58%
5-Year Charge-Offs to Average Loans 0.32%
Charge-Offs to Average Loans 0.36%
Non-Performing Assets to Assets 2.03%
Non-Performing Loans to Capital 8.74%
Non-Performing Loans to Loans 2.57%
Balance Sheet The Farmers & Merchants Bank
Berlin, WI
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Total Assets 934.79M
Total Deposits 819.07M
Capital and Reserves The Farmers & Merchants Bank
Berlin, WI
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Capital 70.59M
Leverage Ratio 8.98
Loan Loss Reserves to Loans 1.06%
Risk-Based Capital Ratio 12.70
Liquidity The Farmers & Merchants Bank
Berlin, WI
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Hot Money Ratio 13.21%
Liquidity Ratio 19.42%
Profitability The Farmers & Merchants Bank
Berlin, WI
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5-Year Return on Average Assets 1.18%
Net Income 3.29M
Net Interest Spread 3.28%
Operating Profit to Average Assets 1.71%
Overhead Efficiency Ratio 43.55%
Return on Assets 1.40%
Return on Equity 18.67%