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The Farmers & Merchants Bank


The Farmers & Merchants Bank is an FDIC insured institution headquartered at 123 W Huron St, Berlin, WI 54923.
It was founded in 1940 and has approximately $1 billion in assets. Customers can open an account at one of its 2 branches.

Deposit Rates - December 09, 2025

SAVINGS RATES APY MIN
SAV
0.45% $25,000 Compare
CD RATES APY MIN
6 Mo CD
0.50% $500 Compare
8 Mo CD
4.03% $5,000 Compare
12 Mo CD
2.00% $500 Compare
13 Mo CD
3.76% $5,000 Compare
18 Mo CD
1.75% $500 Compare
23 Mo CD
3.50% $5,000 Compare
24 Mo CD
1.50% $500 Compare
36 Mo CD
1.35% $500 Compare
39 Mo CD
3.00% $5,000 Compare
48 Mo CD
1.35% $500 Compare
59 Mo CD
2.75% $5,000 Compare
60 Mo CD
1.35% $500 Compare
MM RATES APY MIN
Money Market
1.00% $15,000 Compare
Money Market
2.53% $500,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.20% $25,000

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 15779
Date Established 1940
Assets $ 952.33 million
Loans $ 731.96 million
Deposits $ 832.30 million
Capital $ 71.40 million

Summary Balance Sheet as of June 30, 2025

ASSETS
Cash & Balances due from depository institutions $ 39.66 million
Interest-bearing balances $ 36.29 million
Total securities $ 151.24 million
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 731.96 million
Loan loss allowance $ 8.35 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles $ 0.89 million
All other assets $ 22.10 million
     Total Assets $ 880.93 million

LIABILITIES
Total deposits $ 832.30 million
      Interest-bearing deposits $ 763.85 million
      Deposits held in domestic offices $ 832.30 million
      % insured (estimated)" 93.27%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 95.00 million
Subordinated debt N.A.
All other liabilities $ 1.60 millionn
      Total Liabilities $ 880.93 million
      Shareholders’ Equity $ 71.40 million

Summary Income Statement as of June 30, 2025

INCOME AND EXPENSES
Total Interest Income $ 28.51 million
Total Interest Expense $ 13.68 million
Net interest income $ 14.83 million
Provision for loan and lease losses $ 1.47 million
Total non interest income $ 1.27 million
Total non interest expense $ 7.10 million
Pre-tax Net Operating Income $ 5.53 million

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Branches

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The Farmers & Merchants Bank Locations

Savings Comparison

This analysis is for demonstrative purposes only. Savings rates may go up or down, and CD rates may not be renewable for the length of the term of the analysis."

PRODUCT
BANK
BANK TYPE
STATE
AMOUNT
TERM
APY
VS.NATL'L AV.
MIN
MILES

Tax Rate: 30%

All calculations are for demonstration purposes only."

  • 1
    LOCAL SAVINGS
    The Farmers & Merchants Bank
    Bank
    -
    $50,000
    N.A.
    0.45%
    1.99x (National Avg. - 0.23%)
    $25,000
    -
    SCENARIO
    Year Rate
    0.45%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 225 158
    2 50,225 226 158
    3 50,451 227 159
    4 50,678 228 160
    5 50,906 229 160
    6 51,135 230 161
    7 51,365 231 162
    8 51,596 232 163
    9 51,829 233 163
    10 52,062 234 164
    11 52,296 235 165
    12 52,531 236 165
    13 52,768 237 166
    14 53,005 239 167
    15 53,244 240 168
    16 53,483 241 168
    17 53,724 242 169
    18 53,966 243 170
    19 54,209 244 171
    20 54,453 245 172
    TOTAL $4,698 $3,288
  • 2
    ONLINE SAVINGS
    First Foundation Bank , ★ TOP PICK ★
    Bank
    -
    $50,000
    N.A.
    4.00%
    17.70x (National Avg. - 0.23%)
    $1,000
    -
    SCENARIO
    Year Rate
    4.00%    		 Annual
    Interest    		 Annual Interest
    (After Tax)
    1 50,000 2,000 1,400
    2 52,000 2,080 1,456
    3 54,080 2,163 1,514
    4 56,243 2,250 1,575
    5 58,493 2,340 1,638
    6 60,833 2,433 1,703
    7 63,266 2,531 1,771
    8 65,797 2,632 1,842
    9 68,428 2,737 1,916
    10 71,166 2,847 1,993
    11 74,012 2,960 2,072
    12 76,973 3,079 2,155
    13 80,052 3,202 2,241
    14 83,254 3,330 2,331
    15 86,584 3,463 2,424
    16 90,047 3,602 2,521
    17 93,649 3,746 2,622
    18 97,395 3,896 2,727
    19 101,291 4,052 2,836
    20 105,342 4,214 2,950
    TOTAL $59,556 $41,689


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