Farmers and Merchants Bank, The
Caldwell, OH · Cert 10280 · Peer group: banks under $1B in assets in OH (n=68-71) · Farmmerc Inc.
State charter, non-member · FDIC · 1 branch
Q2 2026
$136.4MAssets
$78.8MLoans
$116.5MDeposits
$19.7MEquity
Executive Summary
- Strongest standing: net interest margin outperforms 89% of banks under $1B in assets in OH (rank 8 of 71).
- Widest gap: nonperforming loans / loans trails 99% of banks under $1B in assets in OH (rank 68 of 68).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.45%
Rank 14 of 71
Net Interest Margin
4.41%
Rank 8 of 71
Efficiency Ratio
55.30%
Rank 17 of 71
Equity / Assets
14.44%
Rank 14 of 71
Non-interest income vs. expense
Unfavorable gap of $3.2M · efficiency ratio beats 77% of banks under $1B in assets in OH | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.45% | 0.62% | 1.02% | 1.39% | Beats 80% | 14 / 71 | | |
| Return on Equity | 10.07% | 5.62% | 10.07% | 13.60% | Beats 49% | 36 / 71 | | |
| Net Interest Margin | 4.41% | 2.93% | 3.56% | 4.07% | Beats 89% | 8 / 71 | | |
| Efficiency Ratio | 55.30% | 55.94% | 70.77% | 78.80% | Beats 77% | 17 / 71 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 3.86% | 0.08% | 0.27% | 0.97% | Beats 1% | 68 / 68 | | |
| Net Charge-Offs / Loans | 0.12% | n/a | 0.00% | 0.05% | Beats 7% | 64 / 68 | | |
| Capital |
| Tier 1 Capital Ratio | 14.92% | 11.18% | 13.77% | 20.34% | Beats 59% | 29 / 71 | | |
| Total Risk-Based Capital Ratio | 14.92% | 12.08% | 14.34% | 21.24% | Beats 54% | 33 / 71 | | |
| Equity / Assets | 14.44% | 8.41% | 10.74% | 13.32% | Beats 80% | 14 / 71 | | |
| Liquidity & Funding |
| Loans / Deposits | 67.69% | 64.48% | 76.81% | 87.49% | 32nd pctl | 46 / 68 | | |
| Loans / Assets | 57.80% | 55.33% | 65.58% | 72.51% | 32nd pctl | 48 / 71 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |