Farmers&Merchants Union Bank
Columbus, Wisconsin · FDIC Cert #14445
Farmers&Merchants Union Bank is an FDIC-insured bank (Certificate #14445) with $504M in total assets and $393M in total deposits as of the Q2 2024 Call Report. Headquartered in Columbus, Wisconsin, the bank maintains a Tier 1 capital ratio of 18.32% (Well-Capitalized) and a nonperforming loan ratio of 0.00%. BankHealthData assigns a composite Health Grade of A (93/100). All deposits up to $250,000 per depositor per ownership category are FDIC insured.
Farmers&Merchants Union Bank (FDIC cert 14445) is a community bank — $504M in total assets, $393M in deposits, serving the Columbus, Wisconsin area. Community banks make up the largest share of U.S. banks by count but a much smaller share by assets.
Capital position is strong: Tier 1 capital ratio of 18.32% sits comfortably above the 8% well-capitalized regulatory threshold and the 10% well-capitalized-plus floor for community banks. Strong capital is the first line of defense against unexpected loan losses. Asset quality is clean: non-performing loan ratio of 0.00% is below 0.5% — well within the healthy range for U.S. community and regional banks. Clean NPL ratios reflect either disciplined underwriting, a low-credit-risk loan mix, or both. Liquidity is in the normal range: 22.7% liquid assets relative to total assets — adequate for standard operating needs and routine deposit outflows.
Profitability is strong: return on assets of 3.57% is well above the 1.0% benchmark most analysts use as the threshold for a healthy bank. Strong ROA usually reflects disciplined cost management, healthy net interest margins, or both. Health-score trend is mildly negative across recent quarters. Mild declines can reflect either specific quarterly events (large one-time provisions, deposit shifts) or the early stages of broader pressure. Farmers&Merchants Union Bank carries a composite BankHealth grade of A (93/100) as of the 2024-06 Call Report filing. The grade combines capital ratios (Tier 1), asset quality (non-performing loans), liquidity, and profitability into a single signal.
Source: FDIC BankFind API — Call Report data.
Key Facts: Farmers&Merchants Union Bank
- Total Assets
- $504M
- Total Deposits
- $393M
- Tier 1 Capital Ratio
- 18.32%
- Capital Status
- Well-Capitalized
- Nonperforming Loans
- 0.00%
- Liquidity Ratio
- 22.73%
- Return on Assets
- 3.57%
- Headquarters
- Columbus, Wisconsin
- FDIC Certificate
- #14445
- Health Grade
- A (93/100)
- Latest Call Report
- Q2 2024
Capital & Safety Analysis
According to FDIC financial data, Farmers&Merchants Union Bank holds a Tier 1 capital ratio of 18.32%. This exceeds the 8% threshold regulators consider "well-capitalized," meaning Farmers&Merchants Union Bank has a strong buffer to absorb potential losses.
Key Financial Metrics
What This Means For Your Money
Farmers&Merchants Union Bank shows strong financial health indicators. With $504M in assets and a Health Score of 93/100, this bank demonstrates solid capital reserves, manageable loan risk, and adequate liquidity to serve its depositors.
Remember: FDIC insurance covers up to $250,000 per depositor, per bank, per ownership category. Even if a bank fails, insured depositors typically have access to their funds within two business days.
How Farmers&Merchants Union Bank Compares
Farmers&Merchants Union Bank’s Health Score of 93 is 26 points above the Wisconsin state average of 67 across 141 FDIC-insured banks. Its 18.32% Tier 1 capital ratio is 4.3 points above the US banking industry average near 14%. The 0.00% nonperforming loan ratio is lower than the industry norm (~0.8%), indicating cleaner loan quality than peers. Return on assets of 3.57% is in line with or above the national ROA benchmark of ~1.1%. Among 1458 similarly-sized banks, the average Health Score is 70, meaning this bank ranks above its size cohort. Site-wide, Farmers&Merchants Union Bank is 23 points above the portfolio average of 70.
Frequently Asked Questions
Farmers&Merchants Union Bank has a Bank Health Score of A (93/100), placing it one of the safest banks in our analysis. It holds a Tier 1 capital ratio of 18.32%, which is above the 8% "well-capitalized" threshold. All deposits up to $250,000 per depositor are FDIC insured regardless of the bank's health.
Bank failures are uncommon — only ~5 of 4,000+ FDIC-insured banks fail in a typical year. Farmers&Merchants Union Bank's Tier 1 capital ratio of 18.32% and nonperforming loan ratio of 0.00% indicate a low risk profile relative to the industry. Even in a failure scenario, insured deposits ($250K per depositor per ownership category) are typically available within two business days.
Money in checking, savings, money market, and CD accounts at Farmers&Merchants Union Bank is FDIC-insured up to $250,000 per depositor per ownership category (FDIC Cert #14445). Joint accounts get $250K per co-owner. Funds above the limit are not insured — for higher balances, consider spreading across multiple banks or using a CDARS-like network.
Farmers&Merchants Union Bank holds $504M in total assets and $393M in total deposits. It is headquartered in Columbus, Wisconsin (FDIC Certificate #14445).
Farmers&Merchants Union Bank has a Tier 1 capital ratio of 18.32%, classifying it as "Well-Capitalized." Federal regulators consider 8% the threshold for "well-capitalized." The bank's nonperforming loan ratio is 0.00%, and the return on assets is 3.57%.
Yes. Farmers&Merchants Union Bank is FDIC-insured (Certificate #14445). The FDIC insures deposits up to $250,000 per depositor, per bank, per ownership category — covering checking, savings, money market deposit accounts, and CDs. Even if a bank fails, insured depositors typically regain access to funds within two business days.
An A grade on our Bank Health Score means 85+/100 — top-tier capital, low loan losses, strong liquidity. The grade combines Tier 1 capital ratio (35% weight), nonperforming loan ratio (30%), liquidity ratio (25%), and return on assets (10%).
Farmers&Merchants Union Bank's metrics indicate solid financial health with no major stress signals — there's no current data-driven reason to move insured deposits. The FDIC's $250K-per-depositor insurance applies regardless of the bank's health.