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.
| 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
|
4.01% | $5,000 | Compare |
|
18 Mo CD
|
1.75% | $500 | Compare |
|
23 Mo CD
|
3.75% | $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 |
|
Intro APR: 6.990 %
After Intro:6.990 % |
$0 |
Figure Home Equity NMLS ID: 1717824 / Updated 2025-03-06 |
Intro APR: 7.250 %
After Intro:7.250 % |
$15,000 |
| Tap Into the Equity of Your Home to Get The Cash You Need | $0 |
Reliant Home Funding, Inc NMLS ID: 292473 / Updated 2025-04-03 |
Intro APR: 7.250 %
After Intro:7.250 % |
$15,000 |
Achieve Loans NMLS ID: 1810501 / Updated 2025-03-31 |
Intro APR: 8.750 %
After Intro:8.750 % |
$0 |
| Home Equity Line of Credit - Equal Housing Lender | $0 |
Unlock Technologies, Inc. NMLS ID: Not a Lender / Updated 2025-04-03 |
Get cash now in exchange for a percentage of your homes future equity. | $0 |
Spring EQ NMLS ID: 1464945 / Updated 2025-04-03 |
The leader for homeowners tapping cash from their homes since 2016. | $0 |
Point Digital Finance NMLS ID: Not a Lender / Updated 2025-04-03 |
Get up to $500k with no monthly payments, ever. | $0 |
District Lending NMLS ID: 598623 / Updated 2025-04-03 |
No Lender Fees | $0 |
CrossCountry Mortgage, LLC NMLS ID: 3029 / Updated 2025-04-03 |
Unlock Your Home's Potential | $0 |
New American Funding, LLC NMLS ID: 6606 / Updated 2025-04-03 |
Cash-Out and Home Equity Options Available. | $0 |
| HELOC approval in 5 minutes, funding in 5 days. Borrow up to $400k online. | $0 |
AmeriSave Mortgage Corporation NMLS ID: 1168 / Updated 2025-04-03 |
Home Equity Loans & Refinance – Cash out | $0 |
Upstart NMLS ID: 2443873 / Updated 2025-04-03 |
As low as 6.3% APR on your initial draw* | $0 |
Green Lending, LLC NMLS ID: 2598612 |
6.081% |
$1,917
Fees & Points
$3,340 Total
0.728 Pts ($2,330) $1,010 Fees |
District Lending NMLS ID: 1835285 |
6.128% |
$1,919
Fees & Points
$4,400 Total
0.875 Pts ($2,800) $1,600 Fees |
| 6.184% |
$1,945
Fees & Points
$2,000 Total
0.625 Pts ($2,000) $0 Fees |
Pure Rate Mortgage NMLS ID: 2578474 |
6.242% |
$1,945
Fees & Points
$4,010 Total
0.925 Pts ($2,960) $1,050 Fees |
| 6.273% |
$1,945
Fees & Points
$5,059 Total
0.973 Pts ($3,114) $1,945 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
6.434% |
$1,997
Fees & Points
$1,974 Total
0.617 Pts ($1,974) $0 Fees |
| 6.566% |
$2,023
Fees & Points
$2,202 Total
0.688 Pts ($2,202) $0 Fees |
Mutual of Omaha Mortgage, Inc. NMLS ID: 1025894 |
6.573% |
$2,021
Fees & Points
$2,761 Total
0.644 Pts ($2,061) $700 Fees |
PenFed Credit Union NMLS ID: 401822 |
6.656% |
$2,023
Fees & Points
$5,200 Total
0.625 Pts ($2,000) $3,200 Fees |
West Capital Lending NMLS ID: 1566096 |
6.752% |
$2,049
Fees & Points
$4,214 Total
0.770 Pts ($2,464) $1,750 Fees |
Rocket Mortgage NMLS ID: 3030 |
7.350% |
$2,183
Fees & Points
$3,200 Total
1.000 Pts ($3,200) $0 Fees |
Sebonic NMLS ID: 66247 |
8.197% |
$2,376
Fees & Points
$2,186 Total
0.683 Pts ($2,186) $0 Fees |
Top Flite Financial NMLS ID: 4181 |
Fees & Points
Total
Pts ($0) $0 Fees |
Beeline Loans, Inc. NMLS ID: 1799947 |
Fees & Points
Total
Pts ($0) $0 Fees |
Neighbors Bank NMLS ID: 491986 |
Fees & Points
Total
Pts ($0) $0 Fees |
Veterans United Home Loans NMLS ID: 1907 |
Fees & Points
Total
Pts ($0) $0 Fees |
| FDIC Insured | Yes |
| FDIC Certificate | # 15779 |
| Date Established | 1940 |
| Assets | $ 903.74 million |
| Loans | $ 704.68 million |
| Deposits | $ 764.10 million |
| Capital | $ 71.50 million |
| ASSETS | |
| Cash & Balances due from depository institutions | $ 19.26 million |
| Interest-bearing balances | $ 15.18 million |
| Total securities | $ 151.72 million |
| Federal funds sold and reverse repurchase | N.A. |
| Net loans and leases | $ 704.68 million |
| Loan loss allowance | $ 7.94 million |
| Trading account assets | N.A. |
| Bank premises and fixed assets | N.A. |
| Other real estate owned | $ 0.35 million |
| Goodwill and other intangibles | $ 0.96 million |
| All other assets | $ 22.10 million |
| Total Assets | $ 832.23 million |
| LIABILITIES | |
| Total deposits | $ 764.10 million |
| Interest-bearing deposits | $ 712.99 million |
| Deposits held in domestic offices | $ 764.10 million |
| % insured (estimated)" | 93.20% |
| 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 | $ 832.23 million |
| Shareholders’ Equity | $ 71.50 million |
| INCOME AND EXPENSES | |
| Total Interest Income | $ 39.02 million |
| Total Interest Expense | $ 19.61 million |
| Net interest income | $ 19.41 million |
| Provision for loan and lease losses | $ 1.56 million |
| Total non interest income | $ 1.54 million |
| Total non interest expense | $ 9.65 million |
| Pre-tax Net Operating Income | $ 5.53 million |
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