Weiss Ratings
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
Asset Quality Index
6.30
0.00
10.00
Capitalization Index
6.70
0.00
10.00
Liquidity Index
3.50
0.00
9.40
Profitability Index
4.20
0.00
10.00
Stability Index
8.50
0.00
10.00
Asset Quality
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
1-Year Asset Growth
4.87%
< 0.00%
> 20.00%
5-Year Asset Growth
40.22%
< 0.00%
> 50.00%
5-Year Charge-Offs to Average Loans
0.04%
< 0.00%
> 10.00%
Charge-Offs to Average Loans
0.01%
< 0.00%
> 10.00%
Non-Performing Assets to Assets
0.09%
0.00%
> 10.00%
Non-Performing Loans to Capital
0.94%
0.00%
> 10.00%
Non-Performing Loans to Loans
0.12%
0.00%
> 10.00%
Balance Sheet
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
Total Assets
3.38B
< 2.68B
> 10.72B
Total Deposits
2.69B
< 1.94B
> 7.75B
Capital and Reserves
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
Capital
358.50M
< 270.66M
> 1.08B
Leverage Ratio
8.74
3.67
> 30.00
Loan Loss Reserves to Loans
1.00%
0.00%
> 10.00%
Risk-Based Capital Ratio
12.28
7.69
> 40.00
Liquidity
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
Hot Money Ratio
15.72%
< 10.00%
> 50.00%
Liquidity Ratio
13.20%
< 10.00%
> 60.00%
Profitability
The Farmers & Merchants State Bank
Archbold, OH
Archbold, OH
Low
The Farmers & Merchants State Bank
Industry Average
High
5-Year Return on Average Assets
1.05%
< 0.00%
> 10.00%
Net Income
18.98M
< 18.98M
> 90.04M
Net Interest Spread
2.71%
< 0.00%
> 10.00%
Operating Profit to Average Assets
0.96%
< 0.00%
> 10.00%
Overhead Efficiency Ratio
68.01%
< 30.00%
> 150.00%
Return on Assets
0.76%
< 0.00%
> 10.00%
Return on Equity
7.34%
< 0.00%
> 30.00%