Farmers & Merchants Bank
Major Rating Factors:
A current level of 6.3 percent of nonperforming loans to core capital combined with 0.3 percent from a year earlier contributes to the Fair asset quality (4.9). A five year analysis of stability tests including evaluations of capital adequacy, asset growth, and profitability lead to a Fair overall stability index (4.3 on a scale of 0 to 10).
Other Rating Factors:
Excellent current capitalization (10.0 on a scale of 0 to 10) and a capital leverage ratio of 12.2. Operating profits as a percentage of assets at 2.3%, coupled with a return on assets of 1.9 has resulted in Excellent (8.9) profitability.
Asset Mix:
Comm re (45%), securities (16%), comm loans (11%), home mtgs (8%), home eq lns (4%), cash (1%), consumer loans (0%), other (16%)
States with Branches:
OH
Asset Quality
Non-Performing Loans to Capital
Non-Performing Assets to Assets
Non-Performing Loans to Loans
Loan Loss Reserves to Loans
Charge-Offs to Average Loans
5-Year Charge-Offs to Average Loans
5-Year Asset Growth
1-Year Asset Growth
Profitability
Operating Profit to Average Assets
Return on Equity
Net Interest Spread
5-Year ROAA (Return on Average Assets)
Overhead Efficiency Ratio
Corporate Info
Group Affiliation
F&M Bancorp
Investment Rating
Address
41 South First Street
Miamisburg, OH 45342
Miamisburg, OH 45342
Phone Number
(937) 866-2455
Year Founded
1923
FDIC Number
Website
Largest Affiliates
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