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Farmers And Merchants Union Bank

Columbus, WI · Est. 1861 · Website ↗
A
Trust Grade
Excellent
Score: 98/100

Farmers And Merchants Union Bank is a bank based in Columbus, Wisconsin, established in 1861, with $904 million in total assets across 13 branches. By Trust Grade it ranks 21st of 154 banks we track in Wisconsin. Its capital ratio of 11.2% is stronger than 64% of similarly sized banks, versus a Wisconsin median of 10.4%. It was profitable over the most recent period, with a 1.84% return on assets. No consumer complaints against Farmers And Merchants Union Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.

Total assets
$903.8M
$100M–1B institution
Deposits
$783.8M
Branches
13
Capital ratio
11.2%
Top 36% of $100M–1B peers · Wisconsin median 10.4%
Return on assets
1.8%
Top 17% of $100M–1B peers · Wisconsin median 1.2%
Rank in Wisconsin
#21
of 154 banks

How Farmers And Merchants Union Bank compares to Wisconsin peers

Capital ratio
Top 36% of $100M–1B peers
Farmers And
11.2%
Wisconsin median
10.4%
Higher capital ratio = stronger financial cushion
Return on assets
Top 17% of $100M–1B peers
Farmers And
1.8%
Wisconsin median
1.2%
Higher ROA = more profitable relative to asset base

How we graded Farmers And Merchants Union Bank

The Trust Grade blends financial strength with complaint history. Full methodology →

Financial strength
98/100
Customer experience
n/a
Overall
A · 98
  • Strongly capitalized (11.2% capital ratio)
  • Strongly profitable (ROA 1.84%)
  • No CFPB complaints on record

Consumer complaints (CFPB)

No CFPB complaints are on file for Farmers And Merchants Union Bank over the analysis window. For a smaller institution this is common and counts in its favor.

Branch locations (13)

  • 1519 N Spring St, Beaver Dam, WI 53916
  • 114 W Winnebago St, Friesland, WI 53935
  • 104 Industrial Dr, Columbus, WI 53925
  • 220 N Main St, Lodi, WI 53555
  • 115 Front St, Beaver Dam, WI 53916
  • 198 North Western Avenue, Juneau, WI 53039
  • 120 Frances Ln, Beaver Dam, WI 53916
  • 637 S Main St, Fall River, WI 53932
  • 608 Phillips Blvd, Sauk City, WI 53583
  • 575 S Lowville Rd, Rio, WI 53960
  • 1101 N Parker Dr, Janesville, WI 53545
  • 159 W James St, Columbus, WI 53925
  • 212 S Main St, Necedah, WI 54646

Are deposits at Farmers And Merchants Union Bank insured?

Yes. Farmers And Merchants Union Bank is an FDIC-insured bank (FDIC certificate #14445). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.

Farmers And Merchants Union Bank: frequently asked questions

Is Farmers And Merchants Union Bank a good bank?

Farmers And Merchants Union Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.2% capital ratio); Strongly profitable (ROA 1.84%).

Is Farmers And Merchants Union Bank FDIC-insured?

Yes. Farmers And Merchants Union Bank is a FDIC-insured bank (FDIC certificate #14445). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.

How big is Farmers And Merchants Union Bank?

Farmers And Merchants Union Bank holds $904 million in total assets, ranking 21st of 154 banks we track in Wisconsin. It operates 13 branches.

Does Farmers And Merchants Union Bank have CFPB complaints?

No CFPB complaints against Farmers And Merchants Union Bank appear in our data over the analysis window, which is typical for a bank of this size.

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Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.

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