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The Farmers And Merchants Bank
Caldwell, OH · FDIC Certificate #10280 · Chartered 01/2
Total assets
$136.38M
Total deposits
$116.46M
Total equity
$19.70M
Net loans
$77.00M
Branches (offices)
1
Net income (YTD)
$992.00K
Rank: #3,415 of 4,213 U.S. banks by assets · #116 of 155 in Ohio. Assets changed 2.3% and deposits 1.7% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.47% |
| Return on equity | 10.19% |
| Net interest margin (YTD) | 4.79% |
| Equity to assets | 14.44% |
| Tier 1 leverage ratio | 14.92% |
| Uninsured deposits (share of deposits) | 21.4% |
| Noncurrent loans (share of loans) | 3.86% |
| Net charge-offs (share of loans) | 0.08% |
| Loans to deposits | 66.1% |
| Real estate loans (share of loans) | 87.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $67.44M | 87.6% | |
| Commercial & industrial | $5.27M | 6.8% | |
| Consumer / individual | $5.88M | 7.6% | |
| Construction & development | $475.00K | 0.6% | |
| Agricultural | $119.00K | 0.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $119.64M | $103.85M | $630.00K | $15.63M |
| Jun 2023 | $120.87M | $104.69M | $764.00K | $16.02M |
| Jun 2024 | $127.46M | $110.15M | $579.00K | $17.04M |
| Jun 2025 | $133.28M | $114.54M | $755.00K | $18.48M |
| Jun 2026 | $136.38M | $116.46M | $992.00K | $19.70M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $116.46M | 1 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $116.46M.
Similar-sized banks
Union State Bank ($136.47M) · Security State Bank ($136.21M)
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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