Farmers&Merchants Union Bank (FDIC #14445): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Union Bank (FDIC Cert #14445): bank stress 49/100, moderate, STABLE over 7 days; parent JEWEL BOX FINL SERVICES INC.
Farmers&Merchants Union Bank (#14445) lends in 5 counties across 1 state; Farmers&Merchants Union Bank (#14445) reaches 94 ZIP codes: Wisconsin 5 counties, 94 ZIPs.
Farmers&Merchants Union Bank (#14445) largest markets: Dodge County, WI (128 branches, 32 ZIPs) (#14445), Columbia County, WI (120 branches, 20 ZIPs) (#14445), Rock County, WI (20 branches, 20 ZIPs) (#14445), Sauk County, WI (19 branches, 19 ZIPs) (#14445), Juneau County, WI (15 branches, 15 ZIPs) (#14445).
Farmers&Merchants Union Bank (#14445) reports $872.1 million in total assets; Farmers&Merchants Union Bank (#14445) equity $102.0 million (11.7% of Farmers&Merchants Union Bank (#14445) assets); Farmers&Merchants Union Bank (#14445) domestic deposits $751.9 million; Farmers&Merchants Union Bank (#14445) net income $7.2 million; Farmers&Merchants Union Bank (#14445) return on assets 1.76%; Farmers&Merchants Union Bank (#14445) return on equity 15.11%; Farmers&Merchants Union Bank (#14445) net interest income $15.8 million; Farmers&Merchants Union Bank (#14445) call report June 30, 2026.
Farmers&Merchants Union Bank (#14445) noncurrent real-estate loans 0.01% of its book; Farmers&Merchants Union Bank (#14445) residential 0.05%; Farmers&Merchants Union Bank (#14445) net charge-offs on real estate 0.09%; Farmers&Merchants Union Bank (#14445) residential charge-offs 0.18%.
Farmers&Merchants Union Bank (#14445) net interest margin 4.18% against an eight-quarter Farmers&Merchants Union Bank (#14445) average of 4.14% (Farmers&Merchants Union Bank (#14445) compression -0.05 points); Farmers&Merchants Union Bank (#14445) real-estate loans 1.2% of equity; Farmers&Merchants Union Bank (#14445) non-residential real estate 18.0% of equity; Farmers&Merchants Union Bank (#14445) rate-exposure score 40/100, Farmers&Merchants Union Bank (#14445) fixed-rate trap 40/100; Farmers&Merchants Union Bank (#14445) risk type credit driven; Farmers&Merchants Union Bank (#14445) rate regime rates elevated, Farmers&Merchants Union Bank (#14445) snapshot October 20, 2026.
Farmers&Merchants Union Bank (#14445) stress score moved from 48.3 on June 22, 2026 to 49.3 on October 20, 2026; Farmers&Merchants Union Bank (#14445) ranged 48.3 to 49.3 over 117 snapshots.
Farmers&Merchants Union Bank (#14445) alerts: 5 counties; top Farmers&Merchants Union Bank (#14445) alert scores: Juneau County, WI 21 (low); Janesville County, WI 19 (low); Necedah County, WI 19 (low); Rio County, WI 19 (low); Sauk City County, WI 19 (low).