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The Lender Report built this page from public records. The Farmers & Merchants Bank has not reviewed it. Every lender's page starts this way, and it says nothing about The Farmers & Merchants Bank itself. Each figure shows its source and date. Work at The Farmers & Merchants Bank? You can claim this page for free.
Bank, Berlin, WI
The Farmers & Merchants Bank, Berlin, WI
A bank based in Berlin, WI. Its commercial book is led by non-owner-occupied CRE and C&I. Public files show recent SBA 7(a) loans it made.
- Kind
- Bank
- Data as of
- June 30, 2026
- Page last changed
- November 12, 2026
- Commercial book
- $565M
- FDIC call report,
- Holds, not loans made
- Multifamily loans made, 2025
- Not reported
- HMDA,
- HMDA, 5 or more units
- SBA loans, 36 months
- 4
- SBA FOIA,
- 7(a) and 504, net of cancelled
- Total assets
- $949M
- FDIC call report,
Does it fit my deal?
The deal is read here and kept nowhere. Leave out names, income and credit scores.
How to reach them
Each line shows where it came from
- Phone
- 920-361-1454 From the lender's website, retrieved November 11, 2026. Source page
- Website
- www.fmberlin.comFrom the FDIC record, November 9, 2026.
- Commercial lending page
- fmberlin.comFrom the lender's website, retrieved November 11, 2026.
- Names it files under
- The Farmers and Merchants BankFDIC institution record,
- Address
- 123 W Huron St, Berlin, WI 54923FDIC institution record,
- Regulator record
- FDIC BankFind
Recently done
Some recorded lending
Some recorded lending. One public file shows loans this lender made.
What changed. The Farmers & Merchants Bank's Non-owner-occupied CRE balance rose 10.4% to $170M in the quarter ended June 30, 2026. FDIC call reports,
| When | What the record shows | Source |
|---|---|---|
| Jun 2025 to Jun 2026 | Non-owner-occupied CRE balance rose 12.0% to $170M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Multifamily balance rose 1.8% to $95.4M in the year to June 30, 2026.Balances, not originations. Year over year from call reports. | FDIC call report |
| Jun 2025 to Jun 2026 | Unused commitments on commercial real estate rose 83.6% to $43.3M in the year to June 30, 2026.Call report commitments. Not a measure of new lending. | FDIC call report |
Banks report no loan-level data for office, retail, industrial or construction loans. This list shows only multifamily and SBA loans.
| Period | Place | Loan | Amount | Rate | Term | LTV | Source |
|---|---|---|---|---|---|---|---|
| Jul 2026 | Wisconsin | SBA 7(a), Full-Service Restaurants | $100K | 8.25% | 10 yr | SBA FOIA | |
| Apr 2025 | Wisconsin | SBA 7(a), Manufacturing | $46K | 10% | 7 yr | SBA FOIA | |
| Jan 2025 | Wisconsin | SBA 7(a), Offices of Chiropractors | $220K | 9% | 7 yr | SBA FOIA | |
| Nov 2024 | Wisconsin | SBA 7(a), All Other Miscellaneous Ambulatory Health Care Services | $110K | 8% | 25 yr | SBA FOIA | |
| 4 SBA 7(a) loans since October 2023, net of cancelled | $480K | SBA FOIA | |||||
A blank means the source did not report it.
What it holds
FDIC call report, June 30, 2026
| Book | Holds | Of its loans | Year over year |
|---|---|---|---|
| Multifamily | $95.4M | 12.9% | +1.8% |
| Construction and land development | $67.7M | 9.1% | -0.5% |
| Owner-occupied CRE | $51.9M | 7.0% | -5.2% |
| Non-owner-occupied CRE | $170M | 22.9% | +12.0% |
| Farmland | $36.8M | 5.0% | -8.5% |
| Commercial and industrial | $143M | 19.3% | -8.8% |
| Commercial total | $565M |
Reference only: $163M of 1-4 family residential loans, which call reports cannot split owner-occupied from investor. Excluded from the totals above.
Table
| Quarter | Commercial book |
|---|---|
| Q3 2023 | $479M |
| Q4 2023 | $518M |
| Q1 2024 | $555M |
| Q2 2024 | $541M |
| Q3 2024 | $545M |
| Q4 2024 | $570M |
| Q1 2025 | $565M |
| Q2 2025 | $565M |
| Q3 2025 | $547M |
| Q4 2025 | $552M |
| Q1 2026 | $549M |
| Q2 2026 | $565M |
| Kind of loan | Period | Loans made | Dollars | Typical size | Largest | Source |
|---|---|---|---|---|---|---|
| SBA 7(a), net of cancelled | 36 months to Sep 2026 | 4 | $480K | $100K | $220K | SBA FOIA, |
| SBA 7(a), net of cancelled | 12 months to Sep 2026 | 1 | $100K | SBA FOIA, |
How these public files were tied to this lender. SBA 7(a) loans: its FDIC certificate number.
Programs on record: Federal Home Loan Bank member, Chicago district (FHFA).
Undrawn commitments
FFIEC Call Report, June 30, 2026
- The Farmers & Merchants Bank reported commitments to fund construction loans that had not been drawn at June 30, 2026: $6,319,000 for 1-4 family residential construction and $36,999,000 for commercial real estate, other construction and land development (FFIEC Call Report). A commitment is an agreement to fund a loan if it is drawn. It is not a loan made.
- Undrawn commitments to commercial and industrial borrowers at June 30, 2026: $49,322,000. These are credit lines not yet used.
Small loans it holds, by original size
FDIC BankFind Suite API, /banks/financials (Call Report), report dates 2026-06-30 and 2025-06-30, June 30, 2026
Loans held on the report date, grouped by the amount when each loan was made. Not loans made in a period.
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 119 | $3.19M |
| Over $100,000 up to $250,000 | 39 | $4.69M |
| Over $250,000 up to $1 million | 48 | $16.1M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 21 | $870K |
| Over $100,000 up to $250,000 | 36 | $5.02M |
| Over $250,000 up to $1 million | 54 | $23.2M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 22 | $1.11M |
| Over $100,000 up to $250,000 | 33 | $3.89M |
| Over $250,000 up to $500,000 | 22 | $5.50M |
| Original amount | Loans | Holds |
|---|---|---|
| $100,000 or less | 32 | $826K |
| Over $100,000 up to $250,000 | 11 | $1.23M |
| Over $250,000 up to $500,000 | 6 | $1.56M |
Where it lends
Offices beside loans on record
| State | Offices | Multifamily 2025 | 1-4 investor 2025 | SBA 7(a) 36 mo. | SBA 504 36 mo. |
|---|---|---|---|---|---|
| Wisconsin HQ | 2 | 4 | 0 |
Offices by county
FDIC Summary of Deposits, June 30, 2026
- The Farmers & Merchants Bank has 2 offices in 1 county and 1 state (FDIC Summary of Deposits, June 30, 2026): 1 full service and 1 limited service.
| County | Full-service offices | Limited-service offices |
|---|---|---|
| Green Lake County, WI | 1 | 1 |
Loan production offices are not in this file. A bank with no office here can still lend here.
Capacity. Not a rating
Our calculation from public filings, as of June 30, 2026. Not a rating, and not a statement about safety or deposits.
| Measure | This lender | Its peers | How it is worked out | Source |
|---|---|---|---|---|
| Estimated largest single loan | $16.1M | $11.2M to $20.6M across 8 peers | Estimate: 15% of tier 1 capital plus allowance. A further 10% is allowed with readily marketable collateral, and state-chartered banks follow state limits. Not a limit the lender has stated. | FDIC call report, 12 CFR 32.3, Jun 30, 2026 |
| CRE to capital | 310.5% | 163.8% to 334.1% across 8 peers | (Construction + multifamily + non-owner-occupied CRE loans) divided by tier 1 capital plus allowance. | FDIC call report, |
| Construction to capital | 63.1% | 25.8% to 82.4% across 8 peers | Construction loans divided by tier 1 capital plus allowance. | FDIC call report, |
| Loans to deposits | 94.4% | 63.6% to 120.7% across 8 peers | Total loans divided by total deposits. | FDIC call report, |
| Unused CRE commitments | $43.3M | $25.5M to $118M across 8 peers | Commitments to lend on commercial real estate that are not yet drawn, up 83.6% from a year earlier. | FDIC call report, |
| Loans to assets | 78.0% | 54.9% to 77.0% across 8 peers | Total loans divided by total assets. | FDIC call report, |
Our calculation: construction, multifamily and non-owner-occupied nonfarm nonresidential loans, divided by tier 1 capital plus the allowance for loan losses. It is not the test in the 2006 interagency guidance on commercial real estate concentrations (December 12, 2006; OCC Bulletin 2006-46, Federal Reserve SR 07-1). That guidance measures against total risk-based capital, also counts loans that finance commercial real estate but are not secured by real estate, and looks more closely when construction and land loans reach 100% of that capital, or commercial real estate loans reach 300% of it and have grown 50% or more in the prior 36 months. This figure uses a different capital base, leaves out the unsecured loans and applies no growth condition. The guidance sets no limit on lending. Not a rating, and not a statement about safety or deposits.
Peers
Same kind of lender, similar size and book
| Lender | State | Total assets | Commercial book |
|---|---|---|---|
| Bank Cmg | WI | $1.06B | $493M |
| The Port Washington State Bank | WI | $1.01B | $453M |
| Dairy State Bank | WI | $730M | $316M |
| Farmers and Merchants Union Bank | WI | $872M | $486M |
| Prevail Bank | WI | $1.03B | $467M |
| Fortifi Bank | WI | $750M | $422M |
| Bank of Luxemburg | WI | $723M | $400M |
| Ixonia Bank | WI | $1.08B | $458M |
What we don't know
- Whether it is taking new loans today, or on what terms.
- How much of its book it made recently. Call reports carry balances, not loans made.
- Which of its commercial real estate is office, retail, industrial or hotel. Call reports do not split the book by property type.
- How its 1-4 family loans divide between owner-occupied and investor.
- Whether it makes multifamily loans. No HMDA multifamily loans are on file under this name for 2024 or 2025.
- Whether it takes brokers. No figure here means no evidence, not a refusal.
Check this page
Against the regulator's own record
- Name and charter. The Farmers & Merchants Bank, FDIC certificate 15779. Compare it with the regulator's record. [FDIC BankFind]
- Balances. $949M in total assets and $565M in commercial loans held, from the call report for June 30, 2026. [Source]
- Loans made. 4 recorded loans from SBA files, through September 30, 2026: 4 SBA 7(a) in 36 months. Each has its source and date. [How each file was tied to The Farmers & Merchants Bank]
- Phone and website. Phone 920-361-1454, from the lender's website on November 11, 2026. Website fmberlin.com, from the FDIC record. [How to reach them]
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For the record
Data as of June 30, 2026. Page last changed November 12, 2026.
- Regulator
- Federal Reserve
- FDIC certificate
- 15779
- RSSD
- 574949
- The Lender Report ID
- lr_001608
- FDIC classifies this bank as
- Commercial Lending Specialization
- Ownership
- Stock
FDIC institution record, The classification is FDIC's description of the balance sheet. It is not a statement about what the bank will lend on.
- Reported $949.4M in total assets as of June 30, 2026 (FDIC call report).
- Held $564.8M of commercial and commercial real estate loans as of June 30, 2026 (FDIC call report).
- Held $170M of non-owner-occupied commercial real estate loans as of June 30, 2026, up 12.0% from a year earlier (FDIC call report).
- Held $143M of commercial and industrial loans as of June 30, 2026 (FDIC call report).
- Held $95.4M of multifamily loans as of June 30, 2026, up 1.8% from a year earlier (FDIC call report).
- Recorded 4 SBA 7(a) approvals totaling $480K from October 1, 2023 to September 30, 2026 (SBA).
5 more sentences
- Provided the first lien on 1 SBA 504 project with $1.9M in first-lien dollars from October 1, 2023 to September 30, 2026, of which 1 was later cancelled (SBA).
- Listed 2 offices in 1 state (FDIC).
- Held 206 commercial and industrial loans that were $1 million or less when made, with a balance of $24M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Held 111 loans secured by nonfarm nonresidential property that were $1 million or less when made, with a balance of $29.1M as of June 30, 2026 (FDIC call report). These are loans held, not loans made.
- Reported commitments to fund construction loans that had not been drawn at June 30, 2026: $6.3M for 1-4 family and $37M for commercial and other construction (FFIEC Call Report). A commitment is not a loan made.
Cite this
Source: The Lender Report, The Farmers & Merchants Bank, https://lender.report/lender/farmers-and-merchants-bank-wi/, data as of June 30, 2026.
Sources
- FDIC institution record, November 9, 2026
- FDIC office list, October 28, 2026
- FDIC call report, June 30, 2026
- FDIC call report, June 30, 2025
- SBA FOIA, September 30, 2026
- FFIEC Call Report, June 30, 2026
- FDIC call reports, June 30, 2026
- FDIC Summary of Deposits, June 30, 2026
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Source and date appear beside each figure. Banks report balances, not loans made. Loans made come only from HMDA and SBA files. We do not audit filings and can make errors joining them. Report a problem