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For over 125 years, Farmers & Merchants State Bank has proudly operated as an independent community bank, serving the residents of Waterloo, Marshall, and the recently added Lake Mills, WI. In addition to our in-house financial services, we offer a complete range of full-service, mortgage, and internet banking options. Since our establishment in 1897, we have played a vital role in our communities and remain dedicated to their prosperity. Our team is always ready to offer guidance and support, as we consider ourselves your lifelong financial partner. Our objective is to deliver comprehensive financial services and be your trusted partner for life.
Safety National is a prominent specialty insurance and reinsurance provider with over 80 years of experience. As a wholly-owned subsidiary of Tokio Marine Holdings, Inc., it benefits from the strength of one of the worlds top insurance groups. The company focuses on building strong relationships and providing long-term solutions for its customers. Safety National specializes in long-term insurance and reinsurance solutions, particularly in managing high-exposure claims. It offers MAP Client Services®, a suite of online risk control resources designed to help policyholders improve their safety and compliance programs. The company is highly rated by major financial agencies, holding an A++ rating from A.M. Best and an A+ rating from Standard & Poor’s. The corporate culture at Safety National emphasizes diversity, equity, and inclusion, aiming to reflect the communities it serves. The company is committed to corporate social responsibility through sustainability practices and charitable efforts. Safety National actively seeks talented individuals who share its dedication to excellence and growth.
ChefStable partners with chefs to design, build and operate restaurants. We invest in chefs we believe in, chefs who have shown a commitment to their craft and whose food reflects their passion and talent. We take care of all of the operational details which allows our partners to focus on whats truly important: food and service.
The Banks most important objectives are to maintain the external stability of the Netherlands Antillean guilder (NAf.) and to promote the efficient functioning of the financial system in the Countries Curacao and St. Maarten. To realize these objectives, the Bank, as the supervisory authority, has frequently recurred to credit control measures and/or to change the discount rate. The functions of the Bank, explicitly summed up in the Bank Charter, are; First, the Bank is the only institution entitled by law to issue paper money in the Countries Curacao and St. Maarten. The Bank also is charged with the circulation of coins. Second, the Bank supervises banking and credit institutions to guarantee depositors and other creditors funds at banking and credit institutions in particular and the soundness of the financial sector in general. Third, the Bank manages the foreign exchange reserves of the Netherlands Antilles, which includes regulating of the transfer of payments between residents and nonresidents of the Countries Curacao and St. Maarten. Finally, the Bank acts as the governments treasurer by receiving and making payments from and to the public through the tax collectors accounts at the Central Bank.
A New Risk Management Architecture - Emerald Bay is an updated solution to solve the problems created in a fractured/dislocated market. We are structured to ensure accountability throughout the life cycle of a risk, driven by integrity of underwriting. Collaborative, Tech Enabled Underwriting - Our technical underwriting and portfolio management is supported by cutting edge technology. We work in partnership with our MGA/PA and reinsurance capital partners to ensure long term sustainability. Partnership: A Full Alignment of Interests - Our approach requires that from producer to carrier to reinsurer all partners are invested in an aligned strategy. Our laser focus is on capital protection so we are there for our insured when they most need us.