The Farmers and Merchants Bank (Caldwell, OH)
BankRegReports is independent of The Farmers and Merchants Bank and never asks for online banking logins or passwords.
Data as of · sourced from FFIEC call reports. How we update
The Farmers and Merchants Bank is an FDIC-insured commercial bank headquartered in Caldwell, OH, established in 1912 (FDIC certificate 10280), and it is supervised by the FDIC. At Q2 2026 it reported total assets of $136.4M, up 2.3% from Q2 2025, the 115th largest of 154 banks headquartered in Ohio. It reports no CET1 ratio; its Tier 1 leverage ratio was 14.92% at Q2 2026, above the 9% community bank leverage ratio requirement for being considered well capitalized.
- Charter
- Commercial bank
- Regulator
- FDIC
- Deposit insurance
- FDIC
- FDIC certificate
- 10280
- Headquarters
- Caldwell, OH
- Established
- 1912
- Total assets, Q2 2026
- $136.4M
- Assets vs Q2 2025
- +2.3%
- Tier 1 leverage ratio, Q2 2026
- 14.92%
- Domestic offices
- 1 FDIC institution directory, current count
- Routing number
- 044112187
- Latest call report
- Q2 2026, FFIEC 051 · The Farmers and Merchants Bank Q3 2026 call report, filed October 14, 2026 (preliminary)
- Holding company
- FARMMERC, INC.
- Asset rank in state
- 115th of 154 in Ohio
The Farmers and Merchants Bank, based in Caldwell, Ohio, reported $136 million in assets at June 30, 2026, up 2.3% from a year earlier. It pays an average of 0.90% on its deposits and borrowings, about half the median of 1.80% for the 2,627 banks with $100 million to $1 billion in assets. On the other hand, it carries problem assets equal to 14.5% of the capital and reserves that would absorb them, 5.5 times the median of 2.7% for banks its size.
Problem loans eased: loans on nonaccrual or 90 or more days past due, net of government guarantees, were 3.86% of loans, down from 4.36% a year earlier.
As of June 30, 2026, The Farmers and Merchants Bank reported a return on assets of 1.35%, a nonperforming-loan ratio of 3.86% and a Texas ratio of 14.51%. The figures come from its call report filed with the FFIEC.
The Farmers and Merchants Bank ranks as the 115th largest of the 154 banks based in Ohio, by total assets at Q2 2026. From Q1 2026 to Q2 2026, its total assets rose 1.1% to $136.4M, loans fell 2.0% and deposits rose 1.2%. The largest part of its loan book on June 30, 2026 was 1-4 family residential loans, at 74.8% of total loans, ahead of owner-occupied commercial real estate loans at 7.6%. The FDIC Summary of Deposits lists a single office for it, in Caldwell, OH. On its Q2 2026 call report, The Farmers and Merchants Bank meets the community bank leverage ratio test for well capitalized.
Headquarters Profile
- Address
- 430 North St, Caldwell, OH 43724
- County
- Noble
- Charter
- Commercial bank, state charter, Fed non-member, FDIC-supervised
- Primary Regulator
- FDIC
- FDIC Region
- Chicago (Region 9)
- Federal Reserve member
- No
- Federal Reserve district
- District 4, Cleveland
- Fiduciary (trust) powers
- —
- Call Report form
- FFIEC 051
- Established
- January 20, 1912
- Domestic offices
- 1 FDIC institution directory, current count
- Employees (FTE)
- 27
- Domestic deposits
- $116.5M
- Allowance for credit losses
- $1.8M
- Net charge-offs (YTD)
- $33K
- Average total assets
- $137.1M
- Average total loans
- $79.3M
- Average interest-bearing deposits
- $80.4M
- Tax status
- C corporation
- Ownership
- Stock
- Community bank
- Yes
- FDIC-insured since
- January 1, 1934
- FDIC Cert
- 10280
- Fed RSSD
- 760210
- Website
- www.thefarmersmerchants.bank →
- Parent Holding Company
- FARMMERC, INC. (RSSD 1249909)
Profitability
Q2 annualizedBalance Sheet
Income Statement
Operating & Funding
Ratios tagged annualized use the Q2 income alone. The UBPR and FDIC annualize the year to date instead. FDIC BankFind divides by the average of quarter-end total assets, the UBPR by RC-K average assets. The YTD margin is the UBPR's tax-equivalent figure over its own average earning assets; FDIC BankFind's margin is not tax-equivalent. As a community bank leverage ratio filer, The Farmers and Merchants Bank reports no risk-based capital ratios; its Tier 1 leverage ratio applies. How we compute these figures
Quarterly trends
From Q3 2023 to Q2 2026, The Farmers and Merchants Bank's total assets ranged from $120.0M (Q3 2023) to $136.4M (Q2 2026), and it earned a profit in all 12 quarters. The line under each chart compares Q2 2026 with Q2 2025. How these charts are built
$136.4M total assets against $133.3M; $116.7M total liabilities against $114.8M.
$77.0M net loans and leases against $78.1M; $116.5M total deposits against $114.5M.
$40.5M securities against $35.8M; $11.8M cash and balances due against $12.5M.
$1.7M total interest income against $1.8M; $261K total interest expense against $308K.
$1.5M net interest income against $1.5M.
$58K total noninterest income against $71K; $854K total noninterest expense against $919K.
$90K provision for credit losses against $106K.
$463K net income against $454K.
1.35% return on assets against 1.32%; 4.50% net interest margin against 4.67%.
14.92% tier 1 leverage ratio against 14.22%.
Inside the full The Farmers and Merchants Bank terminal
21 quarters of trends · 8 tabs · peer percentiles · watchlist alerts
Unlock this bank, freeWatch flags
Automated conditions triggered on this bank's latest filing. Advisory only; see the source metric pages for full context. Each flag is tagged Regulatory when it cites an official supervisory threshold, or BRR analysis when it's our own band, informed by our data and models.
Nonperforming loans (nonaccrual loans plus loans 90 or more days past due) exceed 3% of total loans. BankRegReports band at 3% of total loans.
The Farmers and Merchants Bank rankings
Its closest position to the top of a national ranking is 329 of 3,640, for Texas Ratio; its furthest is 3,402 of 4,196, for total assets.
Quarterly trend: last 8 quarters
Across the 8 quarters to Q2 2026, its return on assets ran from 0.65% (Q3 2024) to 1.57% (Q1 2026) and its net interest margin ran from 3.90% (Q3 2024) to 4.91% (Q1 2026).
| Quarter | Leverage | ROA | NPL | Texas | NIM |
|---|---|---|---|---|---|
| Q2 2026 | 14.92% | 1.35% | 3.86% | 14.51% | 4.50% |
| Q1 2026 | 15.03% | 1.57% | 3.95% | 15.14% | 4.91% |
| Q4 2025 | 14.57% | 1.28% | 4.12% | 16.26% | 4.51% |
| Q3 2025 | 14.90% | 0.84% | 4.31% | 16.61% | 4.42% |
| Q2 2025 | 14.22% | 1.32% | 4.36% | 17.26% | 4.67% |
| Q1 2025 | 14.18% | 0.88% | 4.70% | 18.65% | 4.01% |
| Q4 2024 | 13.86% | 1.19% | 4.31% | 17.88% | 4.07% |
| Q3 2024 | 14.44% | 0.65% | 3.58% | 14.89% | 3.90% |
Swipe the table sideways to see every column.
Branch Network
View the branch → Branch count from the FDIC Summary of Deposits, June 30, 2026. The domestic office count above is the FDIC's current figure, so the two can differ.
| Branch | Location | ZIP | Deposits |
|---|---|---|---|
| The Farmers and Merchants Bank | Caldwell , OH | 43724 | $116.5M |
Regulatory record
Facts as filed or published, not a rating.
- Deposit market share
- <0.1% of deposits in OH, rank 131 of 184 institutions
- Period: June 30, 2026. Source: FDIC Summary of Deposits.
- Not on file
- Enforcement actions, Mortgage lending (HMDA), SBA 7(a) lending, Consumer complaints, CFPB enforcement, CRA examination rating. No record from these sources, which is not the same as a clean record. Sources
Add this badge to your website
Free to use. It shows The Farmers and Merchants Bank’s latest filed figures and updates each quarter.
Similar banks
Frequently asked about The Farmers and Merchants Bank
What are The Farmers and Merchants Bank's total assets?
As of the Q2 2026 filing, The Farmers and Merchants Bank reported total assets of $136.4 million in its FFIEC call report.
Where is The Farmers and Merchants Bank headquartered?
It is headquartered in Caldwell, OH, United States.
When was The Farmers and Merchants Bank founded?
It was established in 1912, per the FDIC institution directory.
Is The Farmers and Merchants Bank FDIC-insured?
Yes. It is an FDIC-insured commercial bank (FDIC Certificate #10280). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category, per FDIC rules.
Who regulates The Farmers and Merchants Bank?
The Farmers and Merchants Bank's primary federal regulator is the FDIC.
How many branches does The Farmers and Merchants Bank operate?
It operates 1 domestic office, per the FDIC institution directory. That count includes administrative and limited-service offices as well as full-service branches.
What is The Farmers and Merchants Bank's Texas Ratio?
Its Texas Ratio is 14.51% in its Q2 2026 call report, within the healthy range (at or below 50%, the level at which problem assets reach half of the capital cushion). The Texas Ratio measures non-performing assets against the bank's capital and reserves.
Go deeper on The Farmers and Merchants Bank.
Get an email when The Farmers and Merchants Bank files its next call report, and benchmark it against any peer you choose.
Unlock The Farmers and Merchants Bank, freeFree account