Farmers Exchange Bank


846 North Main Street
Neshkoro, WI 54960
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Notable Rates APY Vs.Others
Savings N.A. 0.85% →
1-Year CD N.A. 0.80% →
2-Year CD N.A. 0.80% →
5-Year CD N.A. 1.15% →
30-Year Mortgage N.A. 2.72% →
15-Year Mortgage N.A. 2.36% →
HELOC N.A. 2.79% →

2021 Overview

General Bank Information

Farmers Exchange Bank is an FDIC insured institution located in Neshkoro, WI. It was founded in 1908 and has approximately $0.06 billion in assets.

FDIC Insured Yes
FDIC Certificate # 15189
Date Established 1908
Assets $ 55.94 million
Loans $ 28.80 million
Deposits $ 48.28 million
Capital $ 7.43 million

For a more detailed analysis of Farmers Exchange Bank's financial condition and a description of what these numbers mean, please visit the Financial Details section.

Deposit Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828


Loan Rates - September 26, 2021

Your Current Location: Connecticut, CT 06828

There are currently no loan rates available for Farmers Exchange Bank

Please contact the bank for questions about their loan products. In the meantime you may wish to consider these offerings:

Featured - Connecticut 30 Year Fixed Mortgage Rates 2021

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Morty, Inc.
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2.687% 2.625%
0.88 points
$2,038 fees
$1,005 Learn More

Featured - Connecticut Home Equity Line Of Credit Rates 2021

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Intro APR 2.990 %
After Intro: 3.750 %
Intro Period: 12 months
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After Intro: 4.840 %
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Third Federal Savings and Loan
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2.240 %
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Note to Farmers Exchange Bank
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Financial Details

Farmers Exchange Bank Ratio Analysis

The following ratios and data are available to help you better understand the financial condition of Farmers Exchange Bank. The data is provided by the FDIC. All banks listed on are FDIC-insured. No depositor has ever lost deposits that have been within the FDIC insurance limits.

Texas Ratio
Farmers Exchange Bank U.S. Bank Average
13.49% 5.29%

The Texas Ratio compares the bank’s non performing assets (non-performing loans and real estate owned) with its tangible common equity and its loan loss reserves. A lower Texas ratio indicates better coverage of problem loans. The closer the Texas Ratio is to 1-to-1 or 100%, the less capital and reserves a bank has to absorb its loan losses.

As of March 31, 2021, Farmers Exchange Bank had $881,000 in non-current loans and $178,000 in owned real estate. To cover these potential losses it had $7,426,000 in equity and $427,000 in loans loss reserves. That gives it a Texas Ratio of 13.49%.

Return on Equity
Farmers Exchange Bank U.S. Bank Average
12.79% 11.43%

Farmers Exchange Bank has a Return on Equity of 12.79% versus the BestCashCow average of 11.43%. Return on equity measures how efficiently a bank is making money from its capital. A bank with a consistently high ROE can be considered well run. A bank with a consistently low ROE can be considered poorly run.

Farmers Exchange Bank U.S. Bank Average
13.28% 11.51%

Farmers Exchange Bank has a Capitalization of 13.28% versus the BestCashCow average of 11.51. Capitalization measures how much equity capital a bank has to underpin loans and other assets on its balance sheet. The higher the capitalization number the more secure a bank is considered.

Farmers Exchange Bank Balance Sheet Analysis

As of March 31, 2015, Farmers Exchange Bank had assets of $55,764,000, loans of $28,800,000, and deposits of $48,281,000. Long-term increases in deposits shows a bank's ability to raise funds to grow its loans and assets. Loan and asset growth may rise or fall depending on a bank's strategy for growth. Sharp rises and falls in assets, deposits, and loans can be problematic, indicating a loosening of lending standards, or financial distress leading to reduced lending. A big change in these figured can also be from a bank acquisition or merger.

Summary Balance Sheet

March 31, 2021
Cash & Balances due from depository institutions N.A.
Interest-bearing balances N.A.
Total securities N.A.
Federal funds sold and reverse repurchase N.A.
Net loans and leases $ 28.80 million
Loan loss allowance $ 0.43 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned $ 0.18 million
Goodwill and other intangibles N.A.
All other assets N.A.
     Total Assets N.A.
Total deposits $ 48.28 million
      Interest-bearing deposits N.A.
      Deposits held in domestic offices N.A.
      % insured (estimated) 0.00%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds N.A.
Subordinated debt N.A.
All other liabilities N.A.
      Total Liabilities N.A.
      Shareholders’ Equity $ 55.94 million

Summary Income Statement

March 31, 2021
Total Interest Income N.A.
Total Interest Expense N.A.
Net interest income N.A.
Provision for loan and lease losses N.A.
Total non interest income N.A.
Total non interest expense N.A.
Pre-tax Net Operating Income N.A.

Bank Loan Profile?

The top three loan types in Farmers Exchange Bank’s loan portfolio are 1-4 Family Residential Loans, Commercial and Industrial Loans, and Small Business Loans.

Compared to other banks in Wisconsin, Farmers Exchange Bank has a significantly higher percent of 1-4 Family Residential Loans, Small Business Loans on its balance sheet, potentially indicating a specialty in that lending area.

Note: Percentages may not sum to 100% due to rounding and double categorization of some loan types. All data from the FDIC. Additional information about this table.

Comparison to Other Banks
 Low   Med   High 
1-4 Family Residential Loans 55.97
Credit Card Loans 0.00
Consumer Auto Loans 0.00
Small Business Loans 16.32
Construction and Development Loans 1.23
Commercial Real Estate 16.32
Commercial and Industrial Loans 17.42
Farm Loans 0.34

Frequently Asked Questions About Farmers Exchange Bank

Branches and Savings

Is Farmers Exchange Bank FDIC insured?

Yes. It is covered under FDIC Certificate #15189.

Why does Farmers Exchange Bank pay such low interest on savings accounts?

See the best online savings rates here. See the best local savings rates here.

Why are Farmers Exchange Bank CD rates not competitive?

See the best online CD rates here. See the best local CD rates here.

Is Farmers Exchange Bank a commercial bank?


Where are Farmers Exchange Bank locations?

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Is Farmers Exchange Bank open on Saturdays?

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Are Farmers Exchange Bank ATMs Open 24/7?

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Will the Farmers Exchange Bank branch print checks?

Do Farmers Exchange Bank checks expire?

Does Farmers Exchange Bank require US citizenship to open account?

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Does Farmers Exchange Bank Report to credit bureaus?

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What is Farmers Exchange Bank's SWIFT code?


Does Farmers Exchange Bank offer mortgages?

Compare mortgage rates here.

Does Farmers Exchange Bank offer home equity lines of credit and home equity loans?

Compare home equity lines of credit rates here.

Does Farmers Exchange Bank offer personal loans?

Compare personal loan rates here.

Does Farmers Exchange Bank offer student loans?

Will Farmers Exchange Bank cash a check?

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Does Farmers Exchange Bank cash savings bonds?

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Does Farmers Exchange Bank do currency exchange?

Background on The Bank

Who owns Farmers Exchange Bank?

How long has Farmers Exchange Bank been around?

Can Farmers Exchange Bank transfer to other banks?

Does Farmers Exchange Bank have quick pay?

Does Farmers Exchange Bank accept rolled coins?

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