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Farmers & Merchants Bank
Miamisburg, OH · FDIC Certificate #9462 · Chartered 11/2
Total assets
$359.40M
Total deposits
$307.33M
Total equity
$40.54M
Net loans
$285.54M
Branches (offices)
5
Net income (YTD)
$3.29M
Rank: #2,203 of 4,213 U.S. banks by assets · #66 of 155 in Ohio. Assets changed 5.4% and deposits 4.5% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.85% |
| Return on equity | 16.92% |
| Net interest margin (YTD) | 4.43% |
| Equity to assets | 11.28% |
| Tier 1 leverage ratio | 12.16% |
| Uninsured deposits (share of deposits) | 23.4% |
| Noncurrent loans (share of loans) | 1.04% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 92.9% |
| Real estate loans (share of loans) | 84.8% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $242.21M | 84.8% | |
| Commercial & industrial | $39.26M | 13.7% | |
| Consumer / individual | $763.00K | 0.3% | |
| Construction & development | $24.67M | 8.6% | |
| Agricultural | $7.80M | 2.7% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $267.91M | $234.67M | $1.47M | $20.39M |
| Jun 2023 | $277.62M | $236.69M | $2.14M | $22.99M |
| Jun 2024 | $334.54M | $280.98M | $2.13M | $27.45M |
| Jun 2025 | $340.97M | $294.15M | $2.90M | $33.38M |
| Jun 2026 | $359.40M | $307.33M | $3.29M | $40.54M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $307.33M | 5 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $307.33M.
Similar-sized banks
Infinity Bank ($359.51M) · Locus Bank, Inc. ($359.36M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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