Farmers & Merchants State Bank
FDIC #13242
📍 Waterloo, Wisconsin
Farmers & Merchants State Bank is a commercial bank, state charter and fed nonmember, supervised by the fdic. established in 01/01/1897. With assets of $234.58 Million, it operates 3 domestic branches.
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Community Reinvestment Act (CRA) Rating
Latest Exam: January 1, 2024
What is CRA? The Community Reinvestment Act (CRA) is a federal law that encourages banks to help meet the credit needs of the communities in which they operate, including low- and moderate-income neighborhoods.
Rating History
January 1, 2024
Satisfactory
January 1, 2018
Satisfactory
March 1, 2012
Satisfactory
💰 Financial Strength
Total Assets$234.58 Million
Total Deposits$169.02 Million
Equity Capital$22.63 Million
Net Income$1.33 Million
📈 Performance
ROA0.75%
ROE8.04%
Financial Terms:
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
ROA (Return on Assets): Measures profitability relative to size. 1.0%+ is good.
ROE (Return on Equity): Measures profitability for shareholders. 10%+ is strong.
📋 Corporate Structure
Established01/01/1897
FDIC Cert13242
Holding CoMaunesha Bancshares Inc
Parent CertNA - Not listed as a child of a larger bank.
Last ChangeAugust 31, 2022
Foreign Offices0
SAIF InsuredNo
State CharteredYes
🕰️ Lobby Hours
Monday8:30 AM - 6:30 PM
Tuesday8:30 AM - 6:30 PM
Wednesday8:30 AM - 6:30 PM
Thursday8:30 AM - 6:30 PM
Friday8:30 AM - 6:30 PM
Saturday10:00 AM - 2:00 PM
SundayClosed
📜 Institutional History
2006
Relocation
Moved HQ to: 210 West Madison, Waterloo, WI 53594.