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Data through Q3 2026 · 4,200 institutions
Regulatory profile
Miamisburg, OH · FDIC certificate #9462
FARMERS&MERCHANTS BANK is an FDIC-insured institution based in Miamisburg, OH (FDIC certificate #9462). In its Q3 2026 Call Report it reported total assets of $371M, total deposits of $318M and net loans of $295M. Its primary federal regulator is FDIC.
Plain-language readout
FARMERS&MERCHANTS BANK has 3 quarters of reported history on file, from Q1 2026 to Q3 2026.
Total assets peaked at $371M in Q3 2026 and were lowest at $355M in Q1 2026.
Total deposits were highest at $318M in Q3 2026 and lowest at $305M in Q1 2026.
Over the whole period total assets rose 4.7%.
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| Q3 2026 | $371M | $318M | $295M | 1.84% | 16.92% | 4.47% |
| Q2 2026 | $359M | $307M | $286M | 1.85% | 16.92% | 4.43% |
| Q1 2026 | $355M | $305M | $284M | 1.73% | 16.08% | 4.38% |
History
| Line | Q2 2026 | Q1 2026 | Change | Change, percent |
|---|---|---|---|---|
| Assets | ||||
| Cash and balances due from depository institutions | $3.2M | $3.1M | +$63K | +2.0% |
| Federal funds sold | $2.0M | $2.1M | -$90K | -4.4% |
| Securities purchased under agreements to resell | $0K | $0K | $0K | n/a |
| Securities (available for sale at fair value plus held to maturity net of allowance) | $55.9M | $52.6M | +$3.3M | +6.3% |
| Equity securities with readily determinable fair values, not held for trading | $95K | $72K | +$23K | +31.9% |
| Loans and leases held for sale | $0K | $0K | $0K | n/a |
| Net loans and leases (after allowance) | $285.5M | $284.3M | +$1.3M | +0.4% |
| Trading assets | $0K | $0K | $0K | n/a |
| Premises and fixed assets | $3.6M | $3.6M | -$22K | -0.6% |
| Other real estate owned | $0K | $0K | $0K | n/a |
| Investments in unconsolidated subsidiaries and associated companies | $0K | $0K | $0K | n/a |
| Direct and indirect investments in real estate ventures | $0K | $0K | $0K | n/a |
| Intangible assets (goodwill, servicing, other) | $0K | $0K | $0K | n/a |
| All other assets | $9.1M | $9.0M | +$44K | +0.5% |
| Total assets | $359.4M | $354.8M | +$4.6M | +1.3% |
| Liabilities | ||||
| Total deposits | $307.3M | $304.8M | +$2.5M | +0.8% |
| Federal funds purchased | $0K | $0K | $0K | n/a |
| Securities sold under agreements to repurchase | $0K | $0K | $0K | n/a |
| Trading liabilities | $0K | $0K | $0K | n/a |
| Other borrowed money | $10.0M | $10.0M | $0K | 0.0% |
| Subordinated notes and debentures | $0K | $0K | $0K | n/a |
| All other liabilities | $1.5M | $1.4M | +$142K | +10.2% |
| Total liabilities | $318.9M | $316.2M | +$2.7M | +0.8% |
| Equity | ||||
| Perpetual preferred stock | $0K | $0K | $0K | n/a |
| Common stock | $420K | $420K | $0K | 0.0% |
| Surplus | $705K | $705K | $0K | 0.0% |
| Retained earnings | $42.6M | $40.9M | +$1.8M | +4.3% |
| Accumulated other comprehensive income | -$3.2M | -$3.4M | +$189K | +5.5% |
| Other equity components | $0K | $0K | $0K | n/a |
| Total equity capital | $40.5M | $38.6M | +$2.0M | +5.1% |
| Credit and capital | ||||
| Gross nonperforming assets | $3.0M | $3.0M | +$21K | +0.7% |
| Adjusted nonperforming assets | $3.0M | $3.0M | +$21K | +0.7% |
| Tangible equity plus allowance | $45.2M | $43.1M | +$2.0M | +4.7% |
| Texas ratio (gross) | 6.69% | 6.96% | -0.26 pts | See points |
| Texas ratio (adjusted) | 6.69% | 6.96% | -0.26 pts | See points |
| Texas ratio (adjusted, with performing restructured) | 6.69% | 6.96% | -0.26 pts | See points |
| Tier 1 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Common equity Tier 1 to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 2 capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Total risk-based capital to risk-weighted assets | Not reported | Not reported | Not reported | See points |
| Tier 1 leverage (approximate) | 12.16% | 11.93% | +0.23 pts | See points |
| Construction and land loans to total capital | 51.01% | 51.10% | -0.08 pts | See points |
| Commercial real estate to total capital | 216.75% | 223.06% | -6.31 pts | See points |
| Dividend payout, year to date | 0.00% | 0.00% | 0.00 pts | See points |
| Securities unrealized gain (loss) to Tier 1 capital | -9.31% | -10.27% | +0.96 pts | See points |
| Liquidity | ||||
| Core deposits | $280.2M | $275.2M | +$5.0M | +1.8% |
| Non-core funding | $37.1M | $39.6M | -$2.5M | -6.4% |
| Loans to core deposits | 103.54% | 104.95% | -1.42 pts | See points |
| Loans to deposits | 94.41% | 94.75% | -0.34 pts | See points |
| Brokered deposits share of deposits | 2.31% | 2.98% | -0.67 pts | See points |
| Pledged securities share of securities | 59.41% | 61.81% | -2.40 pts | See points |
| Loans pledged, share of loans | 38.95% | 38.90% | +0.04 pts | See points |
| Volatile liabilities | $37.1M | $39.6M | -$2.5M | -6.4% |
| Earnings | ||||
| Earnings before provision, year to date | $4.3M | $2.1M | +$2.2M | +108.5% |
| Earnings before provision, single quarter | $2.2M | $2.1M | +$177K | +8.5% |
| Provision for credit losses, year to date | $225K | $150K | +$75K | +50.0% |
| Yield and cost | ||||
| Yield on loans and leases | 6.85% | 6.77% | +0.07 pts | See points |
| Yield on interest-bearing balances due from banks | 3.45% | 11.76% | -8.32 pts | See points |
| Total interest income to average assets | 6.08% | 6.03% | +0.05 pts | See points |
| Cost of interest-bearing transaction accounts | 2.25% | 2.21% | +0.04 pts | See points |
| Cost of savings and money market deposits | 2.26% | 2.15% | +0.11 pts | See points |
| Cost of time deposits | 3.72% | 3.81% | -0.09 pts | See points |
| Total interest expense to average assets | 1.82% | 1.81% | +0.01 pts | See points |
Dollar lines show the change in dollars and percent. Ratio lines show the change in percentage points. Earnings lines marked year to date restart each January; the single-quarter line removes that restart.
Recent activity
No reviewed changes are available for this institution in the tracked window. This does not establish that no event occurred.
Ten-year database
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-09-30 | $371M | $318M | $295M | 1.84% | 16.92% | 4.47% |
| 2026-06-30 | $359M | $307M | $286M | 1.85% | 16.92% | 4.43% |
| 2026-03-31 | $355M | $305M | $284M | 1.73% | 16.08% | 4.38% |
Branch detail unavailable. Locations are not inferred from headquarters.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $294.2M | 0.05% | 77 | Continuing · -0.00 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.
No matched ownership, transformations, or reviewed revisions are available. Absence of a match is not proof that no change occurred.