C
Farmers & Merchants Bank
Rating Date
August 2026
Risk Based
Capital Ratio
--
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings Farmers & Merchants Bank
Miamisburg, OH
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Rating C
Asset Quality Index 4.90
Capitalization Index 10.00
Liquidity Index 1.00
Profitability Index 8.90
Stability Index 4.30
Company Info Farmers & Merchants Bank
Miamisburg, OH
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FDIC Number 9462
Phone Number (937) 866-2455
Website www.bankwithfm.com
Asset Quality Farmers & Merchants Bank
Miamisburg, OH
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1-Year Asset Growth 5.40%
5-Year Asset Growth 11.48%
5-Year Charge-Offs to Average Loans 0.02%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.82%
Non-Performing Loans to Capital 6.25%
Non-Performing Loans to Loans 1.02%
Balance Sheet Farmers & Merchants Bank
Miamisburg, OH
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Total Assets 359.40M
Total Deposits 307.33M
Capital and Reserves Farmers & Merchants Bank
Miamisburg, OH
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Capital 40.54M
Leverage Ratio 12.16
Loan Loss Reserves to Loans 1.59%
Risk-Based Capital Ratio --
Liquidity Farmers & Merchants Bank
Miamisburg, OH
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Hot Money Ratio 16.08%
Liquidity Ratio 8.76%
Profitability Farmers & Merchants Bank
Miamisburg, OH
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5-Year Return on Average Assets 1.41%
Net Income 3.29M
Net Interest Spread 4.35%
Operating Profit to Average Assets 2.31%
Overhead Efficiency Ratio 48.10%
Return on Assets 1.85%
Return on Equity 16.95%