B
Farmers and Merchants Bank
Laotto,  IN
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 9.00
Capitalization Index 7.10
Liquidity Index 3.30
Profitability Index 5.50
Stability Index 4.70
Company Info Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 13801
Phone Number (260) 637-5546
Website www.fmfbank.com
Asset Quality Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 3.42%
5-Year Asset Growth 10.93%
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
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 306.07M
Total Deposits 279.49M
Capital and Reserves Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
Capital 24.57M
Leverage Ratio 9.05
Loan Loss Reserves to Loans 0.67%
Risk-Based Capital Ratio --
Liquidity Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 2.58%
Liquidity Ratio 32.36%
Profitability Farmers and Merchants Bank
Laotto, IN
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 1.09%
Net Income 2.32M
Net Interest Spread 3.37%
Operating Profit to Average Assets 1.52%
Overhead Efficiency Ratio 54.69%
Return on Assets 1.52%
Return on Equity 19.29%