Bank · FDIC insured
Farmers & Merchants Bank & Trust
A $175.1M bank headquartered in Marinette, WI, with 3 branches in Wisconsin. Best rates: CDs 3.93% and savings 0.04% APY.
Farmers & Merchants Bank & Trust Carrot Score
63
Carrot Score
Higher than 8% of U.S. banks and credit unions
#13 of 13 in Marinette, WI-MI metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers & Merchants Bank & Trust
Farmers & Merchants Bank & Trust is a community bank based in Marinette, Wisconsin, providing specialized agricultural lending solutions for regional farmers and landowners.
Consistent with its mission to advance education, the bank is the principal sponsor of the Northeastern Wisconsin/Michigan Hi-Q quiz program.
- Headquarters
- 1644 Ludington St, Marinette, WI 54143
- FDIC certificate
- 10382 ↗
Branches
3 branches in Wisconsin
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Wisconsin
3 branches
- Farmers & Merchants Bank & TrustMain office1644 Ludington St, Marinette, WI 54143Directions
- Crivitz Branch114 S Highway 141, Crivitz, WI 54114Directions
- Roosevelt Road Branch2811 Roosevelt Rd, Marinette, WI 54143Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 11.36% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 0.91% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.10% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $84 | $81 | — |
- CapitalLeverage ratio11.36%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent0.91%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.10%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$84Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers & Merchants Bank & Trust are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.