Archbold, OH · Cert 5969 · Farmers&Merchants Bcorp Inc.
State charter, non-member · FDIC · 39 branches
Q2 2026
Market Position · Toledo, OH · 2026 SOD (annual) · 6.7% share · #6 of 22 inst. · $1.1B of $16.1B
Return on Assets (quarter, annualized)
Net Interest Margin (quarter, annualized)
Efficiency Ratio (quarter, annualized)
Tier 1 Leverage Ratio
Discrete quarter, annualized.
| Metric | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|
| Earnings | |||||||
| Return on Assets | 0.98% | 1.09% | 1.19% | 1.15% | 1.41% | +42 bps | |
| Return on Equity | 8.93% | 9.69% | 10.43% | 10.12% | 12.32% | +339 bps | |
| Net Interest Margin | 3.15% | 3.31% | 3.36% | 3.33% | 3.38% | +24 bps | |
| Efficiency Ratio | 61.09% | 59.86% | 55.48% | 57.62% | 53.49% | -759 bps | |
| Non-Interest Burden | 1.75% | 1.80% | 1.66% | 1.66% | 1.54% | -22 bps | |
| Growth | |||||||
| Asset Growth (YoY) | 0.66% | 0.02% | 2.04% | 2.94% | 4.61% | +394 bps | |
| Loan Growth (YoY) | 2.81% | 4.85% | 5.96% | 4.00% | 2.84% | +3 bps | |
| Deposit Growth (YoY) | 2.60% | 2.51% | 1.64% | 4.18% | 5.88% | +328 bps | |
| Asset Quality | |||||||
| Nonperforming Loans / Loans | 0.14% | 0.19% | 0.41% | 0.41% | 0.27% | +13 bps | |
| Net Charge-Offs / Loans | 0.01% | 0.01% | 0.05% | 0.02% | 0.01% | 0 bps | |
| Allowance / Loans | 1.02% | 1.03% | 1.02% | 1.04% | 1.03% | +1 bps | |
| Allowance Coverage of NPLs | 7.2x | 5.3x | 2.5x | 2.5x | 3.8x | -3.4x | |
| Capital | |||||||
| Tier 1 Leverage Ratio | 9.16% | 9.41% | 9.47% | 9.57% | 9.44% | +29 bps | |
| Total Risk-Based Capital | 12.43% | 12.55% | 12.53% | 12.81% | 12.91% | +48 bps | |
| Equity / Assets | 11.18% | 11.35% | 11.46% | 11.35% | 11.48% | +31 bps | |
| Liquidity & Funding | |||||||
| Loans / Deposits | 97.03% | 96.64% | 99.36% | 95.45% | 94.24% | -279 bps | |
| Liquid Assets / Assets | 1.17% | 2.33% | 1.60% | 3.87% | 3.10% | +194 bps | |
| CRE / Total Capital | n/a | 445% | 436% | 419% | n/a | n/a | |