Farmers and Merchants Bank: Vital Signs
Data as of · Call Report Schedules RC, RC-N, RC-R and RI How we update
The headline measure from each supervisory category on one page: capital adequacy, asset quality, earnings and liquidity, the same four corners a CAMELS examiner works through.
Non-performing loans to loans climbed 0.84 percentage points in Q3 2026, from 0.00% to 0.84%. It was the largest change from Q2 2026 among the key lines here. Within Indiana, Farmers and Merchants Bank is 16th of 87 on return on assets, 1.73% as of Q3 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. Farmers and Merchants Bank sits 0.49 points higher, at 1.73% (Q3 2026); the peer median is as of Q2 2026.
Capital adequacy
| Line item | Q3 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 9.26% |
| Equity capital to assets | 8.12% |
| Tangible equity to tangible assets | 8.12% |
Asset quality
| Line item | Q3 2026 |
|---|---|
| Non-performing loans to loans | 0.84% |
| Non-performing assets ratio | 0.56% |
| Net charge-off ratio | 0.00% |
| Texas ratio | 6.53% |
| Allowance for credit losses to loans | 0.73% |
| Reserve coverage of non-performing loans | 87.03% |
Earnings
| Line item | Q3 2026 |
|---|---|
| Return on assets | 1.73% |
| Return on equity | 21.51% |
| Net interest margin | 3.61% |
| Efficiency ratio | 50.78% |
| Yield on earning assets | 5.16% |
| Cost of funds | 1.65% |
Liquidity and funding
| Line item | Q3 2026 |
|---|---|
| Loan-to-deposit ratio | 73.63% |
| Core deposits to total deposits | 99.08% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 91.11% |
| Securities to assets | 16.74% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | CET1 | Tier 1 RBC | Total RBC | Tier 1 leverage | ROA |
|---|---|---|---|---|---|
| Q4 2023 | — | — | — | 9.48% | 0.77% |
| Q1 2024 | — | — | — | 9.46% | 0.89% |
| Q2 2024 | — | — | — | 9.38% | 1.03% |
| Q3 2024 | — | — | — | 9.42% | 1.17% |
| Q4 2024 | — | — | — | 9.51% | 1.23% |
| Q1 2025 | — | — | — | 9.41% | 1.10% |
| Q2 2025 | — | — | — | 8.81% | 1.15% |
| Q3 2025 | — | — | — | 8.65% | 1.26% |
| Q4 2025 | 11.30% | 11.30% | 11.89% | 8.65% | 1.37% |
| Q1 2026 | 10.92% | 10.92% | 11.48% | 8.98% | 1.46% |
| Q2 2026 | — | — | — | 9.05% | 1.58% |
| Q3 2026 | — | — | — | 9.26% | 1.73% |
Farmers and Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers and Merchants Bank, freeSource: Call Report Schedules RC, RC-N, RC-R and RI, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 13801) · FFIEC NIC profile (RSSD 372640)