BlastPoint's Banking Scorecard
The Farmers and Merchants Bank
Micro
Specialty: Other
OH
FDIC cert 10280
Designations: ✓ Community bank
Caldwell, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
The Farmers and Merchants Bank faces 2 concerns requiring attention
Key Strengths
Areas where this bank excels compared to peers
No key strengths identified
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.57% above tier
- - Nonperforming Asset Ratio 2.09% above tier
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$133.6M
-0.8% YoY
+2.5% QoQ
|
-$83.9M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
32% |
| Total Loans ? |
$79.3M
+2.1% YoY
+1.0% QoQ
|
-$59.8M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
34% |
| Total Deposits ? |
$114.2M
-2.3% YoY
+2.9% QoQ
|
-$69.5M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
34% |
| Return on Assets ? |
1.10%
+17.2% YoY
+6.6% QoQ
|
+0.02% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
52% |
| Net Interest Margin ? |
4.50%
+7.2% YoY
+0.7% QoQ
|
+0.64% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
79% |
| Efficiency Ratio ? |
63.44%
-3.0% YoY
-0.8% QoQ
|
-4.29% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
57% |
| Delinquency Rate ? |
4.21%
-4.3% YoY
-4.5% QoQ
|
+3.57% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
Bottom 1% in tier |
| Loan-to-Deposit Ratio ? |
69.47%
+4.5% YoY
-1.9% QoQ
|
-5.06% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
63% |
| Non-Interest-Bearing Deposit Share ? |
29.61%
-3.6% YoY
-3.7% QoQ
|
+7.21% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
78% |
| Nonperforming Asset Ratio ? |
2.54%
+0.1% YoY
-4.3% QoQ
|
+2.09% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
Bottom 1% in tier |
| Tier 1 Capital Ratio ? | 0.00% | -8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.20%
-19.4% YoY
+29.4% QoQ
|
-0.36% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
24% |
Signature Analysis
Strengths (0)
No strengths identified
Concerns (2)
Delinquency Rate
metric
Bottom 1%
in Micro
Why this stands out
Current:
4.21%
(Tier avg: 0.64%, National avg: 0.66%)
Nonperforming Asset Ratio
metric
Bottom 1%
in Micro
Why this stands out
Current:
2.54%
(Tier avg: 0.45%, National avg: 0.48%)
Metric Rankings
How this bank ranks across all 12 tracked metrics. Switch cohort to compare against different peer sets.
Strengths: Metrics in the top 25% (75th percentile or higher) Concerns: Metrics in the bottom 25%
Top Strengths
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.61% · Tier avg: 22.39%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.47% · Tier avg: 74.53%
57
57th pctile
Efficiency Ratio
Current: 63.44% · Tier avg: 67.73%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
34
34th pctile
Total Deposits
Current: $114.2M · Tier avg: $183.7M
34
34th pctile
Total Loans
Current: $79.3M · Tier avg: $139.2M
32
32th pctile
Total Assets
Current: $133.6M · Tier avg: $217.5M
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
0
0th pctile
Delinquency Rate
Current: 4.21% · Tier avg: 0.64%
0
0th pctile
Nonperforming Asset Ratio
Current: 2.54% · Tier avg: 0.45%
Top Weaknesses
0
0th pctile
Nonperforming Asset Ratio
Current: 2.54% · Tier avg: 0.45%
0
0th pctile
Delinquency Rate
Current: 4.21% · Tier avg: 0.64%
24
24th pctile
Non-Interest Income / Assets
Current: 0.20% · Tier avg: 0.56%
32
32th pctile
Total Assets
Current: $133.6M · Tier avg: $217.5M
34
34th pctile
Total Loans
Current: $79.3M · Tier avg: $139.2M
34
34th pctile
Total Deposits
Current: $114.2M · Tier avg: $183.7M
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
52
52th pctile
Return on Assets
Current: 1.10% · Tier avg: 1.08%
57
57th pctile
Efficiency Ratio
Current: 63.44% · Tier avg: 67.73%
63
63th pctile
Loan-to-Deposit Ratio
Current: 69.47% · Tier avg: 74.53%
78
78th pctile
Non-Interest-Bearing Deposit Share
Current: 29.61% · Tier avg: 22.39%
79
79th pctile
Net Interest Margin
Current: 4.50% · Tier avg: 3.85%