C
Farmers & Merchants Bank
Rating Date
October 2025
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 7.40
Capitalization Index 10.00
Liquidity Index 0.90
Profitability Index 8.20
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 1.92%
5-Year Asset Growth 15.61%
5-Year Charge-Offs to Average Loans 0.01%
Charge-Offs to Average Loans 0.00%
Non-Performing Assets to Assets 0.06%
Non-Performing Loans to Capital 0.23%
Non-Performing Loans to Loans 0.07%
Balance Sheet Farmers & Merchants Bank
Miamisburg, OH
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Total Assets 340.97M
Total Deposits 294.15M
Capital and Reserves Farmers & Merchants Bank
Miamisburg, OH
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Capital 33.38M
Leverage Ratio 11.19
Loan Loss Reserves to Loans 1.52%
Risk-Based Capital Ratio 14.03
Liquidity Farmers & Merchants Bank
Miamisburg, OH
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Hot Money Ratio 16.88%
Liquidity Ratio 8.18%
Profitability Farmers & Merchants Bank
Miamisburg, OH
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5-Year Return on Average Assets 1.35%
Net Income 2.90M
Net Interest Spread 4.32%
Operating Profit to Average Assets 2.17%
Overhead Efficiency Ratio 49.37%
Return on Assets 1.74%
Return on Equity 18.31%