Farmers & 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 Reserve coverage of non-performing loans: 4.47 percentage points higher than in Q1 2026, at 155.80%. On return on assets, Farmers & Merchants Bank ranks 13th highest among the 156 banks headquartered in Ohio, at 1.96% (Q2 2026). Against a median of 1.25% for banks in the $100M-1B asset tier, Farmers & Merchants Bank reported 1.96% on return on assets in Q2 2026, 0.70 points higher.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | — |
| Tier 1 risk-based capital ratio | — |
| Total risk-based capital ratio | — |
| Tier 1 leverage ratio | 12.16% |
| Equity capital to assets | 11.28% |
| Tangible equity to tangible assets | 11.28% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 1.02% |
| Non-performing assets ratio | 0.82% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 6.69% |
| Allowance for credit losses to loans | 1.59% |
| Reserve coverage of non-performing loans | 155.80% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.96% |
| Return on equity | 17.79% |
| Net interest margin | 4.35% |
| Efficiency ratio | 46.55% |
| Yield on earning assets | 6.20% |
| Cost of funds | 2.07% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.41% |
| Core deposits to total deposits | 91.35% |
| Brokered deposits to total deposits | 2.31% |
| Deposits to assets | 85.51% |
| Securities to assets | 15.59% |
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 |
|---|---|---|---|---|---|
| Q3 2023 | 13.06% | 13.06% | 14.31% | 10.79% | 1.51% |
| Q4 2023 | 12.88% | 12.88% | 14.13% | 10.62% | 1.04% |
| Q1 2024 | 12.72% | 12.72% | 13.97% | 10.74% | 1.27% |
| Q2 2024 | 12.18% | 12.18% | 13.43% | 10.77% | 1.56% |
| Q3 2024 | 12.52% | 12.52% | 13.77% | 10.74% | 1.67% |
| Q4 2024 | 12.41% | 12.41% | 13.66% | 10.79% | 1.25% |
| Q1 2025 | 12.54% | 12.54% | 13.79% | 11.05% | 1.64% |
| Q2 2025 | 12.78% | 12.78% | 14.03% | 11.19% | 1.85% |
| Q3 2025 | 13.16% | 13.16% | 14.42% | 11.39% | 1.72% |
| Q4 2025 | — | — | — | 11.46% | 1.31% |
| Q1 2026 | — | — | — | 11.93% | 1.74% |
| Q2 2026 | — | — | — | 12.16% | 1.96% |
Farmers & Merchants Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock Farmers & 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 & Merchants Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 9462) · FFIEC NIC profile (RSSD 176325)