The 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.
The standout move of Q2 2026 was in Loan-to-deposit ratio: 2.26 percentage points lower than in Q1 2026, at 67.69%. Within Ohio, The Farmers and Merchants Bank is 43rd of 156 on return on assets, 1.35% as of Q2 2026, above the middle of the field. The median for banks in the $100M-1B asset tier is 1.25% on return on assets. The Farmers and Merchants Bank sits 0.10 points higher, at 1.35% (Q2 2026).
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 14.92% |
| Equity capital to assets | 14.44% |
| Tangible equity to tangible assets | 14.44% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 2.89% |
| Non-performing assets ratio | 1.73% |
| Net charge-off ratio | 0.24% |
| Texas ratio | 14.51% |
| Allowance for credit losses to loans | 2.32% |
| Reserve coverage of non-performing loans | 80.53% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.35% |
| Return on equity | 9.44% |
| Net interest margin | 4.50% |
| Efficiency ratio | 56.20% |
| Yield on earning assets | 5.31% |
| Cost of funds | 0.90% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 67.69% |
| Core deposits to total deposits | 92.10% |
| Brokered deposits to total deposits | 0.00% |
| Deposits to assets | 85.40% |
| Securities to assets | 29.71% |
Vital Signs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Vital Signs by quarter
| Quarter | Tier 1 leverage | ROA | Net interest margin | NPL ratio | Net charge-off ratio |
|---|---|---|---|---|---|
| Q3 2023 | 15.11% | 0.83% | 4.29% | 3.17% | 0.54% |
| Q4 2023 | 15.07% | 1.20% | 4.26% | 3.19% | 0.20% |
| Q1 2024 | 15.31% | 0.84% | 4.30% | 3.22% | 0.11% |
| Q2 2024 | 14.81% | 1.01% | 4.09% | 3.04% | 0.22% |
| Q3 2024 | 14.44% | 0.65% | 3.90% | 3.30% | 0.59% |
| Q4 2024 | 13.86% | 1.19% | 4.07% | 3.71% | 0.17% |
| Q1 2025 | 14.18% | 0.88% | 4.01% | 3.92% | 0.19% |
| Q2 2025 | 14.22% | 1.32% | 4.67% | 3.62% | 0.34% |
| Q3 2025 | 14.90% | 0.84% | 4.42% | 3.33% | 0.30% |
| Q4 2025 | 14.57% | 1.28% | 4.51% | 3.10% | 0.40% |
| Q1 2026 | 15.03% | 1.57% | 4.91% | 2.83% | -0.07% |
| Q2 2026 | 14.92% | 1.35% | 4.50% | 2.89% | 0.24% |
The Farmers and Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The 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 The Farmers and Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 10280) · FFIEC NIC profile (RSSD 760210)