FARMERS & MERCHANTS BANK

MIAMISBURG, OH | Small | Est. Nov. 23, 1923, midnight | FDIC #9462 | RSSD #176325 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS BANK is asn small FDIC-insured commercial bank headquartered in MIAMISBURG, OH, established in Nov. 23, 1923, midnight. As of 2025-12-31, the bank reported total assets of $355M and total deposits of $303M. Profitability stands at 1.31% ROA and 12.58% ROE, with a net interest margin of 4.59%. The bank's CET1 capital ratio is 10.59%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 1.05% and a Texas Ratio of 7.15%. FDIC Certificate #9462.

Assets

$355M

Deposits

$303M

Loans

$287M

Equity

$38M

Profitability

Return on Assets (ROA) 1.31%
Return on Equity (ROE) 12.58%
Net Interest Margin (NIM) 4.59%
Yield on Assets 6.60%
Cost of Funds 2.07%

Asset Quality

NPL Ratio 1.05%
Net Charge-Off Ratio 0.04%
Texas Ratio 7.15%
NPA Ratio 0.85%
ACL / Loans 1.53%

Capital & Liquidity

CET1 Ratio 10.59%
Tier 1 Capital 10.59%
Total Capital Ratio 11.12%
Leverage Ratio 11.46%
Loan-to-Deposit 94.57%

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