BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Micro
Specialty: Commercial
OH
FDIC cert 9462
Designations: ✓ Community bank
Miamisburg, OH
2498
banks in Micro tier nationally
102 in OH
View Micro leaderboard (OH) →
Farmers & Merchants Bank shows strong momentum with 1 strength and 9.9% YoY asset growth
Key Strengths
Areas where this bank excels compared to peers
- + Efficiency Ratio 17.92% below tier
Key Concerns
Areas that may need attention
No key concerns identified
Core Metrics
As of 2025-Q4
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$354.8M
+9.9% YoY
+2.1% QoQ
|
+$137.3M |
$217.5M
+2.3% YoY
|
$33.1B
+6.9% YoY
|
$5.9B
+6.5% YoY
|
81% |
| Total Loans ? |
$282.6M
+9.2% YoY
+1.9% QoQ
|
+$143.4M |
$139.2M
+2.8% YoY
|
$14.9B
+8.3% YoY
|
$3.1B
+8.5% YoY
|
Top 10% in tier |
| Total Deposits ? |
$303.4M
+9.3% YoY
+1.8% QoQ
|
+$119.8M |
$183.7M
+1.8% YoY
|
$24.6B
+5.7% YoY
|
$4.7B
+6.3% YoY
|
82% |
| Return on Assets ? |
1.63%
+14.8% YoY
-6.3% QoQ
|
+0.55% |
1.08%
+14.7% YoY
|
0.85%
+32.0% YoY
|
1.12%
+15.6% YoY
|
80% |
| Net Interest Margin ? |
4.44%
+6.6% YoY
-0.2% QoQ
|
+0.58% |
3.85%
+6.6% YoY
|
3.56%
+10.4% YoY
|
3.75%
+7.1% YoY
|
77% |
| Efficiency Ratio ? |
49.80%
-5.5% YoY
+0.3% QoQ
|
-17.92% |
67.73%
-4.8% YoY
|
71.79%
-6.6% YoY
|
65.09%
-5.1% YoY
|
Top 10% in tier |
| Delinquency Rate ? |
1.06%
+555.5% QoQ
|
+0.42% |
0.64%
+24.4% YoY
|
0.53%
+11.7% YoY
|
0.66%
+20.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
93.12%
-0.1% YoY
+0.1% QoQ
|
+18.60% |
74.53%
+0.5% YoY
|
81.05%
+0.1% YoY
|
78.04%
+0.7% YoY
|
83% |
| Non-Interest-Bearing Deposit Share ? |
25.28%
-7.0% YoY
-3.5% QoQ
|
+2.88% |
22.39%
-1.3% YoY
|
17.48%
-2.0% YoY
|
21.79%
-1.3% YoY
|
64% |
| Nonperforming Asset Ratio ? |
0.85%
+554.4% QoQ
|
+0.39% |
0.45%
+25.1% YoY
|
0.34%
+9.4% YoY
|
0.48%
+20.8% YoY
|
24% |
| Tier 1 Capital Ratio ? |
0.00%
-100.0% YoY
-100.0% QoQ
|
-8.85% |
8.85%
-3.4% YoY
|
9.14%
+0.8% YoY
|
9.75%
-1.9% YoY
|
51% |
| Non-Interest Income / Assets ? |
0.41%
+5.4% YoY
+33.8% QoQ
|
-0.15% |
0.56%
+0.3% YoY
|
0.55%
+0.1% YoY
|
0.65%
+0.6% YoY
|
57% |
Signature Analysis
Strengths (1)
Efficiency Ratio
metric
Top 10%
in Micro
Why this stands out
Current:
49.80%
(Tier avg: 67.73%, National avg: 65.09%)
Concerns (0)
No concerns identified
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
90
90th pctile
Efficiency Ratio
Current: 49.80% · Tier avg: 67.73%
90
90th pctile
Total Loans
Current: $282.6M · Tier avg: $139.2M
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.12% · Tier avg: 74.53%
82
82th pctile
Total Deposits
Current: $303.4M · Tier avg: $183.7M
81
81th pctile
Total Assets
Current: $354.8M · Tier avg: $217.5M
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.28% · Tier avg: 22.39%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
27
27th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
Top Weaknesses
24
24th pctile
Nonperforming Asset Ratio
Current: 0.85% · Tier avg: 0.45%
27
27th pctile
Delinquency Rate
Current: 1.06% · Tier avg: 0.64%
51
51th pctile
Tier 1 Capital Ratio
Current: 0.00% · Tier avg: 8.85%
57
57th pctile
Non-Interest Income / Assets
Current: 0.41% · Tier avg: 0.56%
64
64th pctile
Non-Interest-Bearing Deposit Share
Current: 25.28% · Tier avg: 22.39%
77
77th pctile
Net Interest Margin
Current: 4.44% · Tier avg: 3.85%
80
80th pctile
Return on Assets
Current: 1.63% · Tier avg: 1.08%
81
81th pctile
Total Assets
Current: $354.8M · Tier avg: $217.5M
82
82th pctile
Total Deposits
Current: $303.4M · Tier avg: $183.7M
83
83th pctile
Loan-to-Deposit Ratio
Current: 93.12% · Tier avg: 74.53%
90
90th pctile
Total Loans
Current: $282.6M · Tier avg: $139.2M
90
90th pctile
Efficiency Ratio
Current: 49.80% · Tier avg: 67.73%