The Farmers and Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks The Farmers and Merchants Bank of Caldwell, OH against its peer group of 2672 similarly-sized US banks as of Q2 2026. For each metric the bank's value is shown next to the peer-group average and the bank's percentile rank and quartile within the cohort, the same peer-benchmarking regulators use to judge whether a bank is an outlier. Top quartile means the bank ranks in the strongest 25% of its peers on that measure.
How to read the two peer columns: Peer avg is the simple mean of the peer group. The percentile is the share of peers this bank outperforms, and the tag beside it compares the bank with the median peer: above means the bank is in the better half, top means the best quarter. A skewed group can pull the mean away from the median, so a bank can sit behind the peer average and still rank above the median peer.
Profitability
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| ROAA | 1.35% | 1.34% | +0.01% | 55th above |
| ROAE | 9.44% | 13.31% | -3.87% | 33rd below |
| Net Interest Margin | 4.50% | 3.93% | +0.57% | 79th top |
| Efficiency Ratio | 56.20% | 61.14% | -4.94% | 66th above |
| PPNR / Avg Assets | 1.93% | 1.68% | +0.25% | 69th above |
| Yield on Earning Assets | 5.31% | 5.67% | -0.36% | 36th below |
| Cost of Funds | 0.90% | 1.88% | -0.98% | 93rd top |
| Net Interest Spread | 4.01% | 3.32% | +0.69% | 83rd top |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 2.89% | 0.94% | +1.95% | 7th bottom |
| NPA / Total Assets | 1.73% | 0.70% | +1.03% | 10th bottom |
| NCO / Avg Loans | 0.24% | 0.16% | +0.08% | 11th bottom |
| ACL / Total Loans | 2.32% | 1.28% | +1.04% | 96th top |
| ACL / NPLs (Coverage) | 80.53% | 1538.88% | -1458.35% | 21st bottom |
| Texas Ratio | 14.51% | 7.33% | +7.18% | 13th bottom |
| Provision / NCO Behind the peer average, ahead of the median peer. | 545.45% | 1395.66% | -850.21% | 74th above |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio | 14.92% | 12.14% | +2.78% | 86th top |
| Equity / Assets | 14.44% | 11.37% | +3.07% | 86th top |
| TCE / Tangible Assets | 14.44% | 11.09% | +3.35% | 87th top |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 67.69% | 80.64% | -12.95% | 74th above |
| Core Deposit Ratio | 92.10% | 86.86% | +5.24% | 68th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) | 2.33% | 6.85% | -4.52% | 34th below |
| Loan Growth (Y/Y) | -1.24% | 7.90% | -9.14% | 18th bottom |
| Deposit Growth (Y/Y) | 1.68% | 6.29% | -4.61% | 33rd below |
See The Farmers and Merchants Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock The Farmers and Merchants Bank, freeSource: FFIEC call reports + UBPR, standardized by BankRegReports. Peer averages and percentiles are computed against US banks in the same asset tier, point-in-time as filed. See the full The Farmers and Merchants Bank profile, how to read a UBPR, or how this data updates.