TellerScore

Farmers & Merchants Bank is a state-chartered bank headquartered in Miamisburg, Ohio, in business for about 103 years. At the end of Q2 2026 it reported $359.4M in total assets and $307.3M in deposits, with 5 offices.

Farmers & Merchants Bank has a TellerScore of 74 out of 100 (strong) based on Q2 2026 data — higher than 57% of its 2,650 banks with $100 million – $1 billion. Among 157 banks headquartered in Ohio, it ranks 56th. Earnings contributes the most (94/100, 1.85%); funding & liquidity contributes the least (58/100, 93% loans-to-deposits, 23% uninsured).

TellerScore · Q2 2026

Scorecard

Capital cushion72/100
Tier 1 leverage ratio: 12.16%
Loan quality65/100
Noncurrent loans ÷ total loans: 1.04%
Earnings94/100
Return on assets (annualized): 1.85%
Funding & liquidity58/100
Loans ÷ deposits and uninsured-deposit share: 92.9% · 23.4% uninsured
Problem-loan coverage87/100
"Texas ratio": (noncurrent loans + foreclosed property) ÷ (equity + loan-loss reserves): 6.69%

The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

9 quarters

Health trend

From Q2 2025 to Q2 2026, the score fell 6 points (80 → 74), mostly because the loan quality component weakened by 35 points.

TellerScore
707580Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTellerScore
Q2 202476
Q3 202477
Q4 202476
Q1 202579
Q2 202580
Q3 202580
Q4 202570
Q1 202672
Q2 202674
Tier 1 leverage ratio
5.00%8.58%12.16%well-capitalized benchmarkQ2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterTier 1 leverage ratio
Q2 202410.77%
Q3 202410.74%
Q4 202410.79%
Q1 202511.05%
Q2 202511.19%
Q3 202511.39%
Q4 202511.46%
Q1 202611.93%
Q2 202612.16%
Noncurrent loans
0.00%0.52%1.05%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterNoncurrent loans
Q2 20240.02%
Q3 20240.02%
Q4 20240.02%
Q1 20250.00%
Q2 20250.00%
Q3 20250.16%
Q4 20251.05%
Q1 20261.04%
Q2 20261.04%
Return on assets
1.38%1.61%1.85%Q2 2024Q4 2024Q2 2025Q4 2025Q2 2026
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QuarterReturn on assets
Q2 20241.38%
Q3 20241.48%
Q4 20241.42%
Q1 20251.64%
Q2 20251.75%
Q3 20251.74%
Q4 20251.63%
Q1 20261.73%
Q2 20261.85%
Quarter-by-quarter figures
QuarterScoreAssetsCapitalProblem loansROALoans/deposits
Q2 202674$359.4M12.16%1.04%1.85%92.9%
Q1 202672$354.8M11.93%1.04%1.73%93.3%
Q4 202570$354.8M11.46%1.05%1.63%93.1%
Q3 202580$347.5M11.39%0.16%1.74%93.0%
Q2 202580$341.0M11.19%0.00%1.75%92.8%
Q1 202579$331.8M11.05%0.00%1.64%93.1%
Q4 202476$322.8M10.79%0.02%1.42%93.2%
Q3 202477$320.9M10.74%0.02%1.48%88.9%
Q2 202476$334.5M10.77%0.02%1.38%85.6%

2,650 peers · $100 million – $1 billion

How it compares with peers

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Capital ratio12.16%
67th
Total risk-based capital0.00%
24th
Problem loans1.04%
27th
Net charge-offs0.01%
48th
Return on assets1.85%
82nd
Net interest margin4.43%
76th
Efficiency ratio48.1%
87th
Loans to deposits92.9%
20th
Uninsured deposits23.4%
52nd
Loan-loss reserves1.59%
83rd
Texas ratio6.7%
28th

Similar-size banks in Ohio

InstitutionScoreAssetsCapitalProblem loansCompare
The Hocking Valley BankBank Athens, OH77 out of 100, Strong$354.0M11.4%0.54%vs
First Federal Community Bank of BucyrusBank Bucyrus, OH62 out of 100, Moderate$373.8M8.1%0.16%vs
RiverHills BankBank Milford, OH73 out of 100, Strong$340.8M10.7%0.12%vs
The Citizens Bank CompanyBank Beverly, OH86 out of 100, Very strong$334.6M13.6%0.39%vs
The Fahey Banking CompanyBank Marion, OH63 out of 100, Moderate$384.7M16.1%3.83%vs
The Home Loan Savings BankBank Coshocton, OH77 out of 100, Strong$386.7M11.7%0.58%vs

Deposit insurance

Is my money safe at Farmers & Merchants Bank?

Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #9462). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 23.4% of deposits ($71.9M) are above the $250,000 FDIC insurance limit, close to the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 12.16%, well above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

5 locations

Branches

Farmers & Merchants Bank lists 5 offices in 5 cities. Most locations:

All branch addresses and map

Identity & history

Profile

Legal name
Farmers & Merchants Bank
Former names
Farmers and Merchants Bank; The Farmers and Merchants Bank
Type
State-chartered bank
FDIC certificate #
9462
RSSD ID
176325
Primary regulator
FDIC
Holding company
F&m Bcorp
Established
November 23, 1923
Headquarters
41 S 1st St, Miamisburg, OH 45342
Employees
39

Quick answers

Farmers & Merchants Bank: common questions

Is Farmers & Merchants Bank FDIC insured?

Yes. Farmers & Merchants Bank is an FDIC-insured institution (FDIC certificate #9462). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

What is Farmers & Merchants Bank's TellerScore?

74 out of 100 (Strong), based on its Q2 2026 publicly reported figures. The TellerScore is our own summary and is not issued by any government agency.

Has Farmers & Merchants Bank ever failed?

There is no failure record for FDIC certificate #9462 in the FDIC failed bank list.

How many branches does Farmers & Merchants Bank have?

5 offices as of the latest FDIC data.

Nearby

Highest-scoring banks and credit unions with branches near Miamisburg

InstitutionScoreAssetsCapitalProblem loansCompare
Members Trust Federal Credit UnionCredit union Mason, OH87 out of 100, Very strong$23.4M19.1%0.05%vs
The Harrison Building and Loan AssociationBank Harrison, OH86 out of 100, Very strong$268.0M17.6%0.39%vs
Middletown Area Schools Credit UnionCredit union Middletown, OH84 out of 100, Strong$11.3M15.2%1.09%vs
Day Air Credit UnionCredit union Kettering, OH82 out of 100, Strong$908.8M14.6%0.96%vs
Kh Credit Union, Inc.Credit union Dayton, OH79 out of 100, Strong$71.1M12.9%0.31%vs
Postal Family Credit Union, Inc.Credit union Cincinnati, OH79 out of 100, Strong$66.2M18.1%1.44%vs