Farmers & Merchants Bank: Peer Group Comparison
Data as of · peers are US banks in the same asset tier. How we update
This page benchmarks Farmers & Merchants Bank of Miamisburg, 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 | 1.96% | 1.35% | +0.61% | 84th top |
| ROAE | 17.79% | 12.05% | +5.74% | 79th top |
| Net Interest Margin | 4.35% | 3.90% | +0.45% | 73rd above |
| Efficiency Ratio | 46.55% | 63.16% | -16.61% | 87th top |
| PPNR / Avg Assets | 2.50% | 1.64% | +0.86% | 89th top |
| Yield on Earning Assets | 6.20% | 5.65% | +0.55% | 77th top |
| Cost of Funds | 2.07% | 1.85% | +0.22% | 34th below |
| Net Interest Spread | 3.45% | 3.35% | +0.10% | 57th above |
Asset Quality
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| NPL / Total Loans | 1.02% | 0.92% | +0.10% | 28th below |
| NPA / Total Assets | 0.82% | 0.67% | +0.15% | 25th below |
| NCO / Avg Loans Ahead of the peer average, behind the median peer. | 0.01% | 0.15% | -0.14% | 39th below |
| ACL / Total Loans | 1.59% | 1.28% | +0.31% | 83rd top |
| ACL / NPLs (Coverage) | 155.80% | 1645.77% | -1489.97% | 41st below |
| Texas Ratio Ahead of the peer average, behind the median peer. | 6.69% | 7.15% | -0.46% | 33rd below |
| Provision / NCO | 1875.00% | 1188.79% | +686.21% | — |
Capital Adequacy
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Leverage Ratio Behind the peer average, ahead of the median peer. | 12.16% | 12.46% | -0.30% | 67th above |
| Equity / Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.67% | -0.39% | 63rd above |
| TCE / Tangible Assets Behind the peer average, ahead of the median peer. | 11.28% | 11.40% | -0.12% | 67th above |
Liquidity & Funding
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Loan / Deposit | 94.41% | 78.64% | +15.77% | 20th bottom |
| Core Deposit Ratio | 91.35% | 87.09% | +4.26% | 63rd above |
| Wholesale Funding Ratio | 2.78% | 5.11% | -2.33% | 58th above |
Growth & Management
| Metric | This bank | Peer avg | Diff | Rank vs median peer |
|---|---|---|---|---|
| Asset Growth (Y/Y) Behind the peer average, ahead of the median peer. | 5.40% | 6.47% | -1.07% | 58th above |
| Loan Growth (Y/Y) | 4.65% | 7.64% | -2.99% | 46th below |
| Deposit Growth (Y/Y) Behind the peer average, ahead of the median peer. | 4.48% | 6.02% | -1.54% | 54th above |
See Farmers & Merchants Bank's peers by name
The 2672 banks in this peer group, by name · build custom peer groups · percentile history · Excel export
Unlock Farmers & 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 Farmers & Merchants Bank profile, how to read a UBPR, or how this data updates.