B
Farmers and Merchants Bank
LaottoIN
Rating Date
October 2025
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers and Merchants Bank
Laotto, IN
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Rating B
Asset Quality Index 9.00
Capitalization Index 6.60
Liquidity Index 3.90
Profitability Index 4.50
Stability Index 4.80
Company Info Farmers and Merchants Bank
Laotto, IN
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FDIC Number 13801
Phone Number (260) 637-5546
Website www.fmfbank.com
Asset Quality Farmers and Merchants Bank
Laotto, IN
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1-Year Asset Growth 18.03%
5-Year Asset Growth 11.17%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.00%
Non-Performing Loans to Capital 0.00%
Non-Performing Loans to Loans 0.00%
Balance Sheet Farmers and Merchants Bank
Laotto, IN
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Total Assets 299.56M
Total Deposits 275.36M
Capital and Reserves Farmers and Merchants Bank
Laotto, IN
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Capital 22.24M
Leverage Ratio 8.65
Loan Loss Reserves to Loans 0.68%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants Bank
Laotto, IN
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Hot Money Ratio 2.80%
Liquidity Ratio 39.92%
Profitability Farmers and Merchants Bank
Laotto, IN
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5-Year Return on Average Assets 1.11%
Net Income 2.49M
Net Interest Spread 2.89%
Operating Profit to Average Assets 1.17%
Overhead Efficiency Ratio 59.43%
Return on Assets 1.17%
Return on Equity 16.33%