C
Farmers & Merchants Bank
Rating Date
March 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 5.30
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 8.10
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 9.93%
5-Year Asset Growth 11.48%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.04%
Non-Performing Assets to Assets 0.85%
Non-Performing Loans to Capital 6.69%
Non-Performing Loans to Loans 1.05%
Balance Sheet Farmers & Merchants Bank
Miamisburg, OH
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Total Assets 354.81M
Total Deposits 303.43M
Capital and Reserves Farmers & Merchants Bank
Miamisburg, OH
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Capital 37.59M
Leverage Ratio 11.46
Loan Loss Reserves to Loans 1.53%
Risk-Based Capital Ratio --
Liquidity Farmers & Merchants Bank
Miamisburg, OH
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Hot Money Ratio 16.42%
Liquidity Ratio 8.24%
Profitability Farmers & Merchants Bank
Miamisburg, OH
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5-Year Return on Average Assets 1.35%
Net Income 5.54M
Net Interest Spread 4.31%
Operating Profit to Average Assets 2.02%
Overhead Efficiency Ratio 49.80%
Return on Assets 1.62%
Return on Equity 16.45%