Farmers & Merchants Bank
Miamisburg, OH · Cert 9462 · Peer group: banks under $1B in assets (n=581-629) · F&M Bcorp
State charter, non-member · FDIC · 5 branches
Q2 2026
$359.4MAssets
$290.1MLoans
$307.3MDeposits
$40.5MEquity
Executive Summary
- Strongest standing: efficiency ratio outperforms 91% of banks under $1B in assets (rank 57 of 629).
- Widest gap: nonperforming loans / loans trails 71% of banks under $1B in assets (rank 413 of 581).
- Overall: at or above the peer median on 6 of 9 directional measures.
Return on Assets
1.83%
Rank 91 of 629
Net Interest Margin
4.20%
Rank 119 of 629
Efficiency Ratio
48.10%
Rank 57 of 629
Equity / Assets
11.28%
Rank 268 of 629
Non-interest income vs. expense
Unfavorable gap of $6.5M · efficiency ratio beats 91% of banks under $1B in assets | Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | Peer Position |
|---|
| Earnings |
| Return on Assets | 1.83% | 0.60% | 1.01% | 1.45% | Beats 86% | 91 / 629 | |
| Return on Equity | 16.23% | 5.38% | 9.30% | 13.28% | Beats 87% | 79 / 629 | |
| Net Interest Margin | 4.20% | 3.03% | 3.54% | 4.05% | Beats 81% | 119 / 629 | |
| Efficiency Ratio | 48.10% | 58.35% | 67.79% | 79.08% | Beats 91% | 57 / 629 | |
| Asset Quality |
| Nonperforming Loans / Loans | 1.04% | 0.09% | 0.46% | 1.20% | Beats 29% | 413 / 581 | |
| Net Charge-Offs / Loans | 0.01% | n/a | 0.01% | 0.06% | Beats 57% | 251 / 581 | |
| Capital |
| Tier 1 Capital Ratio | 12.16% | 11.24% | 13.84% | 18.77% | Beats 35% | 409 / 629 | |
| Total Risk-Based Capital Ratio | 12.16% | 11.58% | 14.43% | 19.66% | Beats 30% | 442 / 629 | |
| Equity / Assets | 11.28% | 9.09% | 10.65% | 13.80% | Beats 57% | 268 / 629 | |
| Liquidity & Funding |
| Loans / Deposits | 94.41% | 67.24% | 80.90% | 93.48% | 77th pctl | 135 / 594 | |
| Loans / Assets | 80.73% | 53.31% | 67.71% | 78.15% | 83rd pctl | 110 / 629 | |
| Brokered Deposits / Deposits | n/a | Not reported for this institution |