Farmers & Merchants State Bank, The
Archbold, OH · Cert 5969 · Peer group: banks $1B-$10B in assets (n=322-328) · Farmers&Merchants Bcorp Inc.
State charter, non-member · FDIC · 39 branches
Q2 2026
$3.5BAssets
$2.7BLoans
$2.9BDeposits
$400.8MEquity
Executive Summary
- Strongest standing: nonperforming loans / loans outperforms 71% of banks $1B-$10B in assets (rank 94 of 322).
- Widest gap: tier 1 capital ratio trails 73% of banks $1B-$10B in assets (rank 240 of 328).
- Overall: at or above the peer median on 5 of 9 directional measures.
Return on Assets
1.27%
Rank 147 of 328
Net Interest Margin
3.30%
Rank 196 of 328
Efficiency Ratio
56.42%
Rank 128 of 328
Equity / Assets
11.48%
Rank 108 of 328
Non-interest income vs. expense
Unfavorable gap of $55.6M · efficiency ratio beats 61% of banks $1B-$10B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.27% | 0.91% | 1.22% | 1.52% | Beats 55% | 147 / 328 | |
| Return on Equity | 11.09% | 8.43% | 11.45% | 14.43% | Beats 46% | 177 / 328 | |
| Net Interest Margin | 3.30% | 3.03% | 3.45% | 3.83% | Beats 40% | 196 / 328 | |
| Efficiency Ratio | 56.42% | 51.61% | 59.56% | 67.53% | Beats 61% | 128 / 328 | |
| Asset Quality |
| Nonperforming Loans / Loans | 0.27% | 0.24% | 0.51% | 1.03% | Beats 71% | 94 / 322 | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.03% | 0.10% | Beats 66% | 111 / 322 | |
| Capital |
| Tier 1 Capital Ratio | 11.84% | 11.75% | 13.15% | 15.47% | Beats 27% | 240 / 328 | |
| Total Risk-Based Capital Ratio | 12.91% | 12.63% | 14.15% | 16.46% | Beats 29% | 232 / 328 | |
| Equity / Assets | 11.48% | 9.15% | 10.33% | 12.01% | Beats 67% | 108 / 328 | |
| Liquidity & Funding |
| Loans / Deposits | 94.24% | 76.63% | 87.92% | 95.36% | 72nd pctl | 91 / 323 | |
| Loans / Assets | 77.58% | 65.18% | 74.15% | 79.98% | 66th pctl | 112 / 328 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |