Farmers & Merchants Bank & Trust


ACH Number: 73900580

Farmers & Merchants Bank & Trust is an FDIC insured institution headquartered at 221 Jefferson St, Burlington, IA 52601.
It was founded in 1916 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - May 04, 2026

SAVINGS RATES APY MIN
Savings
0.10% $2,500 Compare
CD RATES APY MIN
6 Mo CD
0.19% $10,000 Compare
6 Mo CD
0.19% $100,000 Compare
12 Mo CD
0.21% $10,000 Compare
12 Mo CD
0.21% $100,000 Compare
18 Mo CD
0.25% $10,000 Compare
18 Mo CD
0.25% $100,000 Compare
24 Mo CD
0.28% $10,000 Compare
24 Mo CD
0.28% $100,000 Compare
30 Mo CD
0.32% $10,000 Compare
30 Mo CD
0.32% $100,000 Compare
36 Mo CD
0.37% $10,000 Compare
36 Mo CD
0.37% $100,000 Compare
48 Mo CD
0.50% $10,000 Compare
48 Mo CD
0.50% $100,000 Compare
60 Mo CD
0.62% $10,000 Compare
60 Mo CD
0.62% $100,000 Compare
VARIABLE IRA RATES APY MIN
Var IRA
0.10% $1
INT CHECKING RATES APY MIN
Int Ckg
0.25% $2,500




Overview 2026

General Bank Information

FDIC Insured Yes
FDIC Certificate # 13737
Date Established 1916
Assets $ 212.73 million
Loans $ 124.14 million
Deposits $ 180.72 million
Capital $ 16.62 million

Summary Balance Sheet as of September 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 5.06 million
Interest-bearing balances $ 3.16 million
Total securities $ 65.54 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 124.14 million
Loan loss allowance $ 1.83 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 15.24 million
     Total Assets $ 196.12 million

LIABILITIES
Total deposits $ 180.72 million
      Interest-bearing deposits $ 157.88 million
      Deposits held in domestic offices $ 180.72 million
      % insured (estimated)" 77.28%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities $ 1.20 millionn
      Total Liabilities $ 196.12 million
      Shareholders’ Equity $ 16.62 million

Summary Income Statement as of September 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 8.06 million
Total Interest Expense $ 1.66 million
Net interest income $ 6.40 million
Provision for loan and lease losses $ 0.23 million
Total non interest income $ 3.75 million
Total non interest expense $ 8.33 million
Pre-tax Net Operating Income $ 0.91 million

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Farmers & Merchants Bank & Trust Locations