The Farmers & Merchants State 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.
Reserve coverage of non-performing loans climbed 125.89 percentage points in Q2 2026, from 250.31% to 376.21%. It was the largest change from Q1 2026 among the key lines here. Within Ohio, The Farmers & Merchants State Bank is 40th of 156 on return on assets, 1.39% as of Q2 2026, above the middle of the field. The Farmers & Merchants State Bank reported 1.39% on return on assets for Q2 2026, 0.11 points above the 1.28% median for banks in the $1B-10B asset tier.
Capital adequacy
| Line item | Q2 2026 |
|---|---|
| CET1 capital ratio | 11.84% |
| Tier 1 risk-based capital ratio | 11.84% |
| Total risk-based capital ratio | 12.91% |
| Tier 1 leverage ratio | 9.44% |
| Equity capital to assets | 11.48% |
| Tangible equity to tangible assets | 9.15% |
Asset quality
| Line item | Q2 2026 |
|---|---|
| Non-performing loans to loans | 0.27% |
| Non-performing assets ratio | 0.21% |
| Net charge-off ratio | 0.01% |
| Texas ratio | 2.19% |
| Allowance for credit losses to loans | 1.03% |
| Reserve coverage of non-performing loans | 376.21% |
Earnings
| Line item | Q2 2026 |
|---|---|
| Return on assets | 1.39% |
| Return on equity | 12.32% |
| Net interest margin | 3.52% |
| Efficiency ratio | 53.45% |
| Yield on earning assets | 5.50% |
| Cost of funds | 1.99% |
Liquidity and funding
| Line item | Q2 2026 |
|---|---|
| Loan-to-deposit ratio | 94.24% |
| Core deposits to total deposits | 90.83% |
| Brokered deposits to total deposits | 0.96% |
| Deposits to assets | 82.33% |
| Securities to assets | 12.63% |
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 | 10.87% | 10.87% | 11.85% | 8.80% | 0.61% |
| Q4 2023 | 10.77% | 10.77% | 11.73% | 8.66% | 0.70% |
| Q1 2024 | 10.95% | 10.95% | 11.93% | 8.75% | 0.70% |
| Q2 2024 | 11.04% | 11.04% | 12.04% | 8.70% | 0.76% |
| Q3 2024 | 11.28% | 11.28% | 12.28% | 8.74% | 0.82% |
| Q4 2024 | 11.40% | 11.40% | 12.40% | 8.81% | 1.00% |
| Q1 2025 | 11.37% | 11.37% | 12.40% | 9.10% | 0.88% |
| Q2 2025 | 11.39% | 11.39% | 12.43% | 9.16% | 0.98% |
| Q3 2025 | 11.51% | 11.51% | 12.55% | 9.41% | 1.09% |
| Q4 2025 | 11.51% | 11.51% | 12.53% | 9.47% | 1.18% |
| Q1 2026 | 11.74% | 11.74% | 12.81% | 9.57% | 1.17% |
| Q2 2026 | 11.84% | 11.84% | 12.91% | 9.44% | 1.39% |
The Farmers & Merchants State Bank vital signs, all the way back
Vital Signs back to 2001 · peer percentiles on every line item · Excel export
Unlock The Farmers & Merchants State 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 & Merchants State Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 5969) · FFIEC NIC profile (RSSD 214414)