Farmers and Mechanics Federal Savings Bank: Financial Reports & UBPR Data
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Data as of · sourced from FFIEC call reports. How we update
Farmers and Mechanics Federal Savings Bank spends more to run itself than most banks of its size. The Bloomfield, Indiana bank had $114 million in assets at June 30, 2026, down 3.1% from a year earlier. It loses about $0.31 a year on every $100 of assets, lower than about 9 in 10 of the 2,660 banks with $100 million to $1 billion in assets (median $1.28). It also spends about 110 cents to bring in each dollar of revenue, higher than about 9 in 10 banks its size (median 61 cents).
Problem loans fell by more than half over the year: loans on nonaccrual or 90 or more days past due, net of government guarantees are down to 0.00% of loans from 1.48%. It lost $90,000 in the quarter. Its margin is thin by comparison: it keeps 2.78 cents of net interest income on every dollar of earning assets, lower than about 9 in 10 banks its size (median 3.95 cents).
As of June 30, 2026, Farmers and Mechanics Federal Savings Bank reported a CET1 capital ratio of 11.76%, a return on assets of -0.31%, a nonperforming-loan ratio of 0.00% and a Texas ratio of 15.46%, according to its call report filed with the FFIEC.
Headquarters Profile
- Address
- 225 E Main St, Bloomfield, IN 47424
- County
- Greene
- Charter
- State-chartered stock savings bank, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- —
- Federal Reserve district
- District 8, St. Louis
- Fiduciary (trust) powers
- Full trust powers granted
- Call Report form
- FFIEC 051
- Established
- January 1, 1892
- Offices
- 4 domestic
- Employees (FTE)
- 20
- Domestic deposits
- $105.8M
- Allowance for credit losses
- $265K
- Net charge-offs (YTD)
- $75K
- Average total assets
- $115.6M
- Average total loans
- $64.8M
- Average interest-bearing deposits
- $113.5M
- Tax status
- C corporation
- Ownership
- Mutual
- Community bank
- Yes
- FDIC-insured since
- August 9, 1989
- FDIC Cert
- 28478
- Fed RSSD
- 412872
Profitability
Q2 annualizedCapital & Liquidity
Balance Sheet
Income Statement
Operating & Funding
Rows tagged YTD are fiscal year to date through June 30, 2026, as filed. Net income is tagged Q2 because it is that quarter's own figure, not a running total, so it cannot be compared with a YTD row. ROA, ROE and net interest margin are the quarter's own income, annualized. The UBPR and FDIC annualize the year to date instead, so after the first quarter their figures differ from ours; where the UBPR has this quarter, its value is shown beside each as YTD. The UBPR's YTD ROA divides by the average of the quarterly average assets the bank reports on Schedule RC-K, while FDIC BankFind divides by the average of quarter-end total assets, so FDIC's ROA can differ from the YTD figure by a few hundredths of a point.
Quarterly trends
Last 12 quarters from this bank's own FFIEC call reports. Dollar figures are the quarter's own amount: the income statement is filed year to date, so those lines are shown net of the preceding quarter.
Balances at each quarter end. The gap between the two lines is equity capital.
Balances at each quarter end. Loans rising toward deposits is the loan-to-deposit ratio tightening.
Balances at each quarter end. Each line is its own balance, not stacked on the other.
Each bar is that quarter alone. The gap between the two is net interest income.
What the balance sheet earned on spread that quarter, before fees and operating costs.
Fees, trading and other income against salaries, premises and the rest of the cost base.
What the bank charged to earnings that quarter to build its allowance for expected losses.
Net income for the quarter alone. The Call Report reports it year to date; this series converts it to the single quarter, so each bar covers three months.
CET1 is common equity tier 1 as a share of risk-weighted assets; the leverage ratio is tier 1 capital as a share of average total assets. A bank that files the community bank leverage ratio reports no CET1 ratio, so only its leverage line appears.
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26 years of quarterly trends · 8 tabs · peer percentiles · Excel export
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How this bank ranks on each leaderboard. Click any rank to see the full ranked list.
Ranked among banks that report this metric, so the total differs from card to card. The CET1 ranking leaves out community bank leverage ratio filers, which report no CET1 ratio.
Quarterly trend: last 8 quarters
Quarter-over-quarter movement in the five most-watched ratios. Sourced from the bank's own FFIEC call report filings.
| Quarter | CET1 | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 11.76% | -0.31% | 0.00% | 15.46% | 2.78% |
| Q1 2026 | 11.15% | -0.19% | 1.39% | 16.48% | 2.77% |
| Q4 2025 | 10.57% | -0.26% | 1.33% | 15.50% | 2.65% |
| Q3 2025 | 10.88% | -0.19% | 1.40% | 17.78% | 2.93% |
| Q2 2025 | 11.02% | -0.16% | 1.48% | 19.25% | 2.63% |
| Q1 2025 | 13.12% | -0.39% | 1.53% | 20.47% | 2.37% |
| Q4 2024 | 11.28% | -8.18% | 1.52% | 21.95% | 1.74% |
| Q3 2024 | 15.00% | -0.30% | 1.62% | 12.97% | 1.99% |
Swipe the table sideways to see every column.
Branch Network
Every branch from the FDIC Summary of Deposits, listed with the deposits booked at each location. The FDIC's office count above also includes administrative and limited-service offices, so the two totals can differ. View all 3 branches →
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| Farmers and Mechanics Federal Savings Bank (main office) | Bloomfield , IN | 47424 | $79.2M |
| 3535 W Third St Branch | Bloomington , IN | 47404 | $17.5M |
| Farmers and Mechanics Federal Eastern Greene Branch | Bloomfield , IN | 47424 | $9.0M |
Regulatory record
What the public regulatory sources show for Farmers and Mechanics Federal Savings Bank, each with its period and source. These are facts as filed or published, not a rating or score. "Not on file" means we hold no record from that source, which is not the same as a clean record.
- Enforcement actions
- Not on file: no matched FDIC, Federal Reserve or OCC action
- Period: not on file. Source: FDIC, Federal Reserve and OCC enforcement releases.
- Deposit market share
- <0.1% of deposits in IN, rank 107 of 131 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Mortgage lending (HMDA)
- 121 applications, 71 loans originated, $13.5M originated, across 1 states
- Period: Calendar year 2025. Source: FFIEC HMDA loan application register.
- SBA 7(a) lending
- Not on file: no SBA 7(a) loans matched
- Period: not on file. Source: SBA 7(a) and 504 loan data (FOIA).
- Consumer complaints
- Not on file: no CFPB complaints matched
- Period: not on file. Source: CFPB consumer complaint database.
- CFPB enforcement
- Not on file: CFPB enforcement actions are not loaded
- Period: not on file. Source: CFPB enforcement actions.
- CRA examination rating
- Not on file: FFIEC CRA ratings are not loaded
- Period: not on file. Source: FFIEC CRA ratings.
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Frequently asked about Farmers and Mechanics Federal Savings Bank
What are Farmers and Mechanics Federal Savings Bank's total assets?
As of the Q2 2026 filing, Farmers and Mechanics Federal Savings Bank reported total assets of $113.6 million in its FFIEC call report. All figures come directly from the bank's quarterly Schedule RC filing.
Where is Farmers and Mechanics Federal Savings Bank headquartered?
Farmers and Mechanics Federal Savings Bank is headquartered in Bloomfield, IN, United States. It files quarterly FFIEC call reports, as every FDIC-insured savings bank must.
When was Farmers and Mechanics Federal Savings Bank founded?
Farmers and Mechanics Federal Savings Bank was established in 1892, per the FDIC institution directory.
Is Farmers and Mechanics Federal Savings Bank FDIC-insured?
Yes. Farmers and Mechanics Federal Savings Bank is an FDIC-insured savings bank (FDIC Certificate #28478). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates Farmers and Mechanics Federal Savings Bank?
Farmers and Mechanics Federal Savings Bank's primary federal regulator is the FDIC. All FDIC-insured banks also report to the FDIC and, depending on charter, the Federal Reserve.
What is Farmers and Mechanics Federal Savings Bank's CET1 capital ratio?
Farmers and Mechanics Federal Savings Bank reported a Common Equity Tier 1 (CET1) capital ratio of 11.76% in its Q2 2026 call report, above regulatory requirements.
How many branches does Farmers and Mechanics Federal Savings Bank operate?
Farmers and Mechanics Federal Savings Bank operates 4 domestic offices, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is Farmers and Mechanics Federal Savings Bank's Texas Ratio?
Farmers and Mechanics Federal Savings Bank's Texas Ratio is 15.46% in its Q2 2026 call report, within the healthy range (under 25%). The Texas Ratio measures non-performing assets against the bank's capital and reserves; the glossary entry for the Texas Ratio carries the full definition.
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