Farmers and Merchants Bank, The
Boswell, IN · Cert 1843 · Peer group: banks under $1B in assets operating in a single state (n=743-746) · 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 132 of 743).
- Widest gap: equity / assets trails 81% of banks under $1B in assets operating in a single state (rank 606 of 746).
- Overall: at or above the peer median on 2 of 9 directional measures.
Return on Assets
0.80%
Rank 523 of 746
Net Interest Margin
3.33%
Rank 517 of 746
Efficiency Ratio
72.95%
Rank 524 of 746
Equity / Assets
8.43%
Rank 606 of 746
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 | 8-Qtr Trend | Peer Position |
|---|
| Earnings |
| Return on Assets | 0.80% | 0.72% | 1.06% | 1.45% | Beats 30% | 523 / 746 | | |
| Return on Equity | 9.51% | 6.74% | 10.51% | 13.63% | Beats 43% | 424 / 746 | | |
| Net Interest Margin | 3.33% | 3.17% | 3.68% | 4.16% | Beats 31% | 517 / 746 | | |
| Efficiency Ratio | 72.95% | 55.74% | 64.58% | 75.47% | Beats 30% | 524 / 746 | | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.01% | 0.09% | 0.42% | 1.07% | Beats 82% | 132 / 743 | | |
| Net Charge-Offs / Loans | 0.00% | 0.00% | 0.01% | 0.05% | Beats 70% | 231 / 743 | | |
| Capital |
| Tier 1 Capital Ratio | 12.87% | 11.55% | 13.75% | 17.60% | Beats 40% | 447 / 746 | | |
| Total Risk-Based Capital Ratio | 14.04% | 11.71% | 14.33% | 18.43% | Beats 47% | 398 / 746 | | |
| Equity / Assets | 8.43% | 8.90% | 10.51% | 13.06% | Beats 19% | 606 / 746 | | |
| Liquidity & Funding |
| Loans / Deposits | 73.28% | 61.31% | 78.27% | 90.78% | 41st pctl | 443 / 746 | | |
| Loans / Assets | 66.60% | 53.60% | 66.97% | 76.08% | 48th pctl | 385 / 746 | | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |