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Farmers and Merchants Union Bank

$100M-$1B Specialty: Commercial WI FDIC cert 14445

Columbus, WI

13 branches across WI

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

  • 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 110 in WI.
  • Deposits +33.1% year over year ($751.9M on the books).
  • Delinquency rate 0.15%.
  • Return on assets 1.76%.
  • Efficiency ratio 44.11% vs a 64.48% peer average.
  • Loan-to-deposit ratio 84.48% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 110 in WI
View $100M-$1B leaderboard (WI) →

Farmers and Merchants Union Bank has 4 strengths but faces 1 concern

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

  • + Efficiency Ratio 20.37% below tier average
  • + ROA 0.44% above tier average
  • + Net Interest Margin 0.20% above tier average
  • + Delinquency Rate 0.76% below tier average

Key Concerns

Areas that may need attention

  • - Credit Quality Pressure: Bottom 17.9% in tier
Get updates when Farmers and Merchants Union Bank releases new data →

Core Metrics

As of 2026-Q2

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Total Assets ? $872.1M
+33.9% YoY -3.5% QoQ
+$485.6M $386.6M
+1.2% YoY
$1.2B
+13.5% YoY
$6.3B
+7.7% YoY
Top 4.7% in tier
Total Loans ? $635.2M
+24.2% YoY -0.0% QoQ
+$376.9M $258.3M
+1.7% YoY
$860.4M
+13.3% YoY
$3.2B
+9.4% YoY
Top 4.7% in tier
Total Deposits ? $751.9M
+33.1% YoY -4.1% QoQ
+$425.2M $326.7M
+0.7% YoY
$935.5M
+13.1% YoY
$4.9B
+7.3% YoY
Top 4.4% in tier
Return on Assets ? 1.76%
+19.7% YoY -4.4% QoQ
+0.44% 1.32%
+10.8% YoY
1.56%
+18.6% YoY
1.30%
+12.1% YoY
79%
Net Interest Margin ? 4.18%
-5.5% YoY +1.3% QoQ
+0.20% 3.99%
+5.0% YoY
3.83%
+8.5% YoY
3.95%
+4.9% YoY
64%
Efficiency Ratio ? 44.11%
-6.0% YoY -0.8% QoQ
-20.37% 64.48%
-3.2% YoY
62.90%
-5.1% YoY
70.05%
+2.5% YoY
Top 7.8% in tier
Delinquency Rate ? 0.15%
+166.6% YoY -40.6% QoQ
-0.76% 0.92%
+15.7% YoY
0.85%
+12.5% YoY
0.98%
+16.3% YoY
69%
Loan-to-Deposit Ratio ? 84.48%
-6.7% YoY +4.2% QoQ
+6.53% 77.95%
+1.0% YoY
87.22%
+0.9% YoY
79.03%
+2.3% YoY
39%
Non-Interest-Bearing Deposit Share ? 19.68%
-2.5% YoY +5.4% QoQ
-2.35% 22.03%
-0.6% YoY
18.65%
-1.9% YoY
21.98%
-0.6% YoY
44%
Nonperforming Asset Ratio ? 0.23%
+408.6% YoY -22.2% QoQ
-0.44% 0.67%
+16.4% YoY
0.63%
+16.4% YoY
0.69%
+15.8% YoY
58%
Tier 1 Capital Ratio ? 9.97%
-13.3% YoY -9.5% QoQ
-5.93% 15.91%
+1.4% YoY
15.02%
+1.5% YoY
17.09%
+0.8% YoY
Bottom 10.3% in tier
Non-Interest Income / Assets ? 0.13%
+31.9% YoY +138.0% QoQ
-0.43% 0.57%
+7.6% YoY
2.21%
+12.7% YoY
0.66%
+5.2% YoY
29%

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Noninterest-Bearing 19.7%
-0.5pp YoY
+1.0pp QoQ
 -2.5pp 22.1% 18.9% 22.2% 44%
Brokered Deposits 0.4%
-1.2pp YoY
-0.3pp QoQ
 -7.5pp 7.9% 9.2% 8.5% 10%

Loan Composition

% of total loans & leases

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
C&I 5.6%
-1.5pp YoY
-0.4pp QoQ
 -6.0pp 11.6% 10.5% 12.5% 23%
CRE 59.6%
+2.7pp YoY
-0.4pp QoQ
 +20.0pp 39.5% 46.4% 41.4% 84%
1-4 Family 17.0%
+0.3pp YoY
+0.6pp QoQ
 -15.6pp 32.6% 32.3% 31.3% 24%
Consumer 0.7%
0.0pp YoY
+0.1pp QoQ
 -3.4pp 4.1% 2.6% 5.0% 20%

Capital

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
CET1 Ratio n/a n/a 18.8% 15.5% 19.7% n/a
Leverage Ratio 10.0%
-1.5pp YoY
-1.1pp QoQ
 -2.2pp 12.2% 12.6% 12.6% 30%
Total Capital Ratio n/a n/a 19.9% 16.6% 20.8% n/a

Efficiency & Staffing

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Full-Time Employees 100
+29 (+40.8%) YoY
+30 (+42.9%) QoQ
 +41 58 134 482 87%
Assets per Employee ($) $8.7M
-5.0% YoY
-32.5% QoQ
 +$1.2M $7.5M $8.2M $8.8M 77%
Branch Count 13
+4 (+44.4%) YoY
0 QoQ
 +8 4 9 18 96%

Asset Quality

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
Past Due 90+ Days 0.0%
-0.1pp QoQ
 -0.3pp 0.3% 0.4% 0.4% 15%
Nonaccrual 0.1%
+0.1pp YoY
0.0pp QoQ
 -0.8pp 0.9% 0.9% 1.0% 24%
Allowance Coverage 12.97x
-67.7% YoY
+68.5% QoQ
 -11.18x 24.15x 56.89x 20.23x 85%
Net Charge-off Rate (YTD) -0.1%
+0.1pp YoY
0.0pp QoQ
 -0.2pp 0.1% 0.0% 0.2% 5%

Profitability

Metric Current vs Tier Tier Avg State Avg (WI) National Avg Tier Percentile
ROE 15.1%
+3.3pp YoY
-0.7pp QoQ
 +2.9pp 12.2% 11.8% 11.6% 68%
Cost of Funds (YTD) 1.9%
-0.4pp YoY
0.0pp QoQ
 +0.1pp 1.7% 1.8% 1.7% 62%
Net Income ($, YTD) $7.2M
+63.7% YoY
— QoQ
 +$4.7M $2.6M $7.9M $40.4M 96%

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (1)

Credit Quality Pressure

risk
#226 of 1256 • Bottom 17.9% in tier

Delinquencies rising year-over-year. Credit risk is building - underwriting tools or reserves may need attention.

Why this signature
Delinquency Rate: 0.15%
(Tier: 0.92%, National: 0.98%)
better than tier avg
1256 of 1256 Community banks match · 1820 nationally
→ Stable -71 banks QoQ | QoQ rank improving

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).
Concerns are metrics in the bottom 25% (25th percentile or lower).
Comparing against 2643 peers in $100M-$1B

Top Strengths (5 metrics)

117
Total Deposits
size
Value: $751.95M
Peer Median: $326.73M
#117 of 2643 Top 4.4% in $100M-$1B
126
Total Assets
size
Value: $872.15M
Peer Median: $386.57M
#126 of 2643 Top 4.7% in $100M-$1B
126
Total Loans
size
Value: $635.22M
Peer Median: $258.35M
#126 of 2643 Top 4.7% in $100M-$1B
207
Efficiency Ratio
profitability
Value: 44.11%
Peer Median: 64.48%
#207 of 2643 Top 7.8% in $100M-$1B
566
Return on Assets
profitability
Value: 1.76%
Peer Median: 1.32%
#566 of 2643 Top 21.4% in $100M-$1B

Top Weaknesses (1 metrics)

2371
Tier 1 Capital Ratio
capital
Value: 9.97%
Peer Median: 15.91%
#2371 of 2643 Bottom 10.3% in $100M-$1B
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