Farmers & Merchants Bank & Trust
Marinette, WI · Cert 10382 · Peer group: banks under $1B in assets in WI (n=110-113) · F&M Bankshares Inc.
State charter, non-member · FDIC · 3 branches
Q2 2026
$175.1MAssets
$124.9MLoans
$149.4MDeposits
$16.5MEquity
Executive Summary
- Strongest standing: net charge-offs / loans outperforms 100% of banks under $1B in assets in WI (rank 37 of 110).
- Widest gap: nonperforming loans / loans trails 75% of banks under $1B in assets in WI (rank 83 of 110).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.10%
Rank 65 of 113
Net Interest Margin
4.05%
Rank 17 of 113
Efficiency Ratio
68.10%
Rank 75 of 113
Equity / Assets
9.40%
Rank 77 of 113
Non-interest income vs. expense
Unfavorable gap of $4.8M · efficiency ratio beats 35% of banks under $1B in assets in WI | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.10% | 0.85% | 1.17% | 1.51% | Beats 42% | 65 / 113 | |
| Return on Equity | 11.66% | 7.70% | 10.77% | 13.67% | Beats 58% | 48 / 113 | |
| Net Interest Margin | 4.05% | 3.19% | 3.59% | 3.89% | Beats 85% | 17 / 113 | |
| Efficiency Ratio | 68.10% | 54.61% | 62.43% | 71.88% | Beats 35% | 75 / 113 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.91% | 0.03% | 0.24% | 0.91% | Beats 25% | 83 / 110 | |
| Net Charge-Offs / Loans | 0.00% | n/a | 0.00% | 0.01% | Beats 100% | 37 / 110 | |
| Capital |
| Tier 1 Capital Ratio | 16.26% | 11.22% | 12.95% | 15.76% | Beats 76% | 27 / 113 | |
| Total Risk-Based Capital Ratio | 17.35% | 11.57% | 13.59% | 16.73% | Beats 77% | 26 / 113 | |
| Equity / Assets | 9.40% | 9.17% | 10.74% | 13.13% | Beats 32% | 77 / 113 | |
| Liquidity & Funding |
| Loans / Deposits | 83.58% | 76.54% | 86.37% | 98.93% | 42nd pctl | 65 / 112 | |
| Loans / Assets | 71.33% | 63.07% | 71.33% | 78.84% | 50th pctl | 57 / 113 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |