Research terminalQ2 2026 · 4,313 institutions · refreshed 8/27/2026 · database outage

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Q2 2026 · 4,313 institutions · refreshed 8/27/2026

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OptimaYield board tearsheet · reported facts

FARMERS&MERCHANTS BANK

FDIC #16216 · AR · period 20260630

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Total assets1,003,382-5.89% YoY

Total deposits821,028+8.86% YoY

Net loans and leases645,394-9.94% YoY

Return on assets0.77%-22.25% YoY

Return on equity6.24%-18.22% YoY

Net interest margin3.89%-2.22% YoY

Peer position

Return on assets35thin line · n=902

Return on equity30thin line · n=894

Net interest margin69thin line · n=902

Equity to assets63rdin line · n=894

Noncurrent loans62ndin line · n=887

Liquid assets50thin line · n=895

Brokered deposits35thin line · n=890

Loans to deposits63rdin line · n=890

Ten-year reported history

Period	Assets	Deposits	Loans	ROA	ROE	NIM
2016-03-31	1,003,382	821,028	645,394	0.77	6.24	3.89
2017-09-30	1,002,147	767,637	681,847	0.91	6.92	4.02
2017-12-31	1,007,589	780,747	656,385	0.88	6.63	4.09
2018-03-31	1,016,150	779,004	655,493	0.95	7.18	3.98
2018-06-30	1,066,138	754,177	716,602	0.99	7.63	3.98
2018-09-30	1,098,479	751,210	742,623	0.95	7.42	3.95
2018-12-31	1,063,088	773,072	700,255	0.98	7.57	3.97
2019-03-31	1,048,367	776,266	689,362	0.85	6.39	3.92
2019-06-30	1,543,313	1,216,004	1,083,610	0.99	7.36	3.96
2019-09-30	1,506,471	1,181,009	1,099,396	1.09	8.12	4.22
2019-12-31	1,493,989	1,222,336	1,033,782	1.02	7.53	4.27
2020-03-31	1,491,952	1,211,371	1,006,988	0.69	4.97	4.09
2020-06-30	1,599,354	1,312,696	1,012,415	0.85	6.31	3.92
2020-09-30	1,611,358	1,330,149	1,034,817	0.92	6.87	3.90
2020-12-31	1,682,839	1,393,553	996,309	0.83	6.31	3.84
2021-03-31	1,657,417	1,408,822	980,141	0.74	5.94	3.33
2021-06-30	1,652,187	1,415,260	1,032,754	0.80	6.37	3.35
2021-09-30	1,682,151	1,441,283	1,094,256	0.85	6.83	3.44
2021-12-31	1,737,079	1,497,951	1,001,259	0.80	6.45	3.41
2022-03-31	1,746,580	1,522,765	1,035,277	0.78	6.78	3.16
2022-06-30	1,744,045	1,535,842	1,085,076	0.82	7.32	3.24
2022-09-30	1,704,674	1,504,239	1,111,659	0.81	7.44	3.32
2022-12-31	1,713,639	1,511,115	1,074,431	0.81	7.44	3.36
2023-03-31	1,676,943	1,469,907	1,079,640	0.70	6.54	3.30
2023-06-30	1,741,171	1,419,859	1,159,809	0.67	6.35	3.28
2023-09-30	1,789,202	1,457,237	1,207,038	0.75	7.26	3.28
2023-12-31	1,803,932	1,459,411	1,177,289	0.71	6.85	3.27
2024-03-31	1,846,491	1,460,397	1,209,324	0.74	7.10	2.94
2024-06-30	1,852,126	1,469,903	1,259,528	0.79	7.56	3.05
2024-09-30	1,842,684	1,487,662	1,267,067	0.76	7.23	3.15
2024-12-31	1,812,990	1,512,650	1,274,214	0.77	7.26	3.27
2025-03-31	1,852,467	1,561,023	1,297,247	0.93	8.53	3.64
2025-06-30	1,895,233	1,545,995	1,336,770	1.01	9.29	3.69
2025-09-30	1,954,573	1,631,260	1,356,447	1.02	9.37	3.74
2025-12-31	1,953,484	1,618,196	1,363,539	1.02	9.29	3.79
2026-03-31	1,991,136	1,706,856	1,376,191	1.05	9.45	3.96
2026-06-30	2,015,057	1,718,925	1,413,799	1.07	9.60	4.01

Structure and branch footprint

21 current branch locations across 1 states as of 2026-08-22. This is an annual branch-location count, not deposit market share.

Date	Code	Predecessor RSSD	Successor RSSD
2019-05-11	1	26242	677644
2015-12-01	1	308443	677644
2009-06-18	1	911740	677644
2008-06-02	1	172840	677644
1991-07-27	50	161778	677644

Reviewed intelligence

No reviewed or published intelligence is linked to this institution.

Scope and limitations

Financial facts are scoped to the FDIC-insured bank. NIC transformations use the linked RSSD identity; SEC issuer and bank-holding-company facts are not silently combined. Branch data follows its annual source cadence. Intelligence appears only after review or publication.