Farmers and Merchants Bank, The
Boswell, IN · Cert 1843 · Peer group: banks under $1B in assets operating in a single state (n=751-755) · Farmers&Merchants Bcorp the
State charter, non-member · FDIC · 4 branches
Q2 2026
$213.4MAssets
$142.1MLoans
$194.0MDeposits
$18.0MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 82% of banks under $1B in assets operating in a single state (rank 134 of 751).
- Widest gap: equity / assets trails 82% of banks under $1B in assets operating in a single state (rank 618 of 755).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.80%
Rank 527 of 755
Net Interest Margin
3.33%
Rank 519 of 755
Efficiency Ratio
72.95%
Rank 528 of 755
Equity / Assets
8.43%
Rank 618 of 755
Non-interest income vs. expense
Unfavorable gap of $5.0M · efficiency ratio beats 30% of banks under $1B in assets operating in a single state | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 527 / 755 | |
| Return on Equity | 9.51% | 6.66% | 10.44% | 13.61% | Beats 44% | 425 / 755 | |
| Net Interest Margin | 3.33% | 3.15% | 3.68% | 4.17% | Beats 31% | 519 / 755 | |
| Efficiency Ratio | 72.95% | 55.75% | 64.78% | 75.61% | Beats 30% | 528 / 755 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.05% | Beats 82% | 134 / 751 | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 234 / 751 | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.56% | 13.81% | 17.74% | Beats 40% | 454 / 755 | |
| Total Risk-Based Capital Ratio | 14.04% | 11.72% | 14.46% | 18.53% | Beats 46% | 405 / 755 | |
| Equity / Assets | 8.43% | 8.93% | 10.56% | 13.13% | Beats 18% | 618 / 755 | |
| Liquidity & Funding |
| Loans / Deposits | 73.28% | 62.43% | 78.62% | 91.00% | 39th pctl | 461 / 755 | |
| Loans / Assets | 66.60% | 54.70% | 67.27% | 76.55% | 47th pctl | 397 / 755 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |