FDIC Cert #28478 · Bloomfield, Indiana · Est. 1892

Farmers and Mechanics Federal Savings Bank - FDIC Bank Health Profile

This profile flags real pressure points from the bank's own quarterly Call Report, read past the headline grade before drawing conclusions.

Compiled from official public sources by the publisher.
$117M
Total assets
D
Health grade · Weak
-0.26%
Return on assets
10.6%
Tier 1 capital

Data updated July 2026

The verdict

Farmers and Mechanics Federal Savings Bank earns a PlainBankData health grade of D (38/100), with well-capitalized at 10.57% Tier 1, -0.26% ROA, 104% efficiency ratio.

#3,608
largest of 4,313 FDIC banks by assets
16th
percentile by asset size, nationally
10.57%
Tier 1 ratio - above the 10% well-capitalized line
4th
percentile for profitability (ROA), nationally

A weak grade is PlainBankData's own read of the Call Report data, not an official FDIC rating, and it does not change your insurance coverage: every dollar stays protected to $250,000 per depositor, per category.

FDIC Call Report plate

Cert 28478 · IN D · 38/100

GRADE-D · BOTTOM-DECILE · PHOTO-FINISH · TIER1-WELL · TEXAS-HEALTHY · ROA-LOSS · SIZE-MID · BOOK-FULL

  • GRADE-D D (38/100)
  • BOTTOM-DECILE #4256/4307
  • PHOTO-FINISH The Equitable Bank,… · WI
  • TIER1-WELL 10.6% Tier 1
  • TEXAS-HEALTHY 15.5% Texas
  • ROA-LOSS -0.26% ROA
  • SIZE-MID $100M–1B
  • BOOK-FULL 9/9 fields

Nearest health peer outside Indiana: The Equitable Bank, S.S.B., WI (±0 health pts)

Instrument codes from this bank’s FDIC Call Report sheet: grade band, health peer rank, photo-finish gap, Tier 1, Texas Ratio, ROA, size band, and book completeness. Not an official FDIC rating.

Health-score neighbourhood around Farmers and Mechanics Federal Savings…

Lowest and highest poles plus nearest scored peers outside Indiana, not a full FDIC corpus board reprint.

Morgan Stanley Bank,… · UT ·…100/100Connect Community Bank · WA …38/100Farmers and Mechanic… · IN ·…38/100Gateway Bank, F.S.B. · CA · …38/100Monroe Federal Savin… · OH ·…38/100The Equitable Bank,… · WI · …38/100Tioga-Franklin Savin… · PA ·…0/100
PlainBankData health composite · neighbourhood around Farmers and Mechanics Federal Savings… · July 2026

What Farmers and Mechanics Federal Savings…'s Call Report plate shows

Farmers and Mechanics Federal Savings Bank (FDIC Cert #28478) carries a PlainBankData health grade of D at 38/100, built only from this bank's own Call Report Tier 1 capital, ROA, Texas Ratio, and efficiency inputs. On the scored corpus it sits at health rank #4,256 of 4,307. Tier 1 capital prints at 10.57%, clearing the 10% well-capitalized line. The Texas Ratio is 15.50%, inside the sub-50% band analysts treat as healthy. Return on assets is -0.26%. Balance-sheet scale is $117M, 3,608th of 4,313 FDIC-insured banks by assets. The nearest cross-state health peer is The Equitable Bank, S.S.B. (WI), tied on the composite. These are instrument codes from the Call Report sheet, not an official FDIC CAMELS rating, and insured deposits stay protected to $250,000 per depositor per ownership category regardless of grade. Compare the plate stamps against the score breakdown and the health-score neighbourhood before treating any single ratio as decisive.

State failure history around Farmers and Mechanics Federal Savings…

3 FAILURE resolutions in Indiana since 2000 (3 since 2008)

Farmers and Mechanics Federal Savings Bank's home state sits in the middle band of post-2000 FAILURE counts (3; 3 since the 2008 crisis window). Recent named resolutions below are Failed Bank List rows for this state only; Farmers and Mechanics Federal Savings Bank remains an active FDIC-insured reporter.

  • SCB BANK SHELBYVILLE, IN 2012 → FIRST MERCHANTS BANK, NATIONAL ASSOCIATION
  • INTEGRA BANK NATIONAL ASSOCIATION EVANSVILLE, IN 2011 → OLD NATIONAL BANK
  • IRWIN UNION BANK AND TRUST COMPANY COLUMBUS, IN 2009 → FIRST FINANCIAL BANK, N.A.

Source: FDIC Failed Bank List (resolution_type=FAILURE only; ASSISTANCE excluded). See the depositor failures guide and Indiana banks.

How Farmers and Mechanics Federal Savings Bank's 38/100 score adds up

Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.

0/100100/100National avg77/10038/100
Farmers and Mechanics Federal Savings Bank's composite health score
Tier 1 Capital Ratio (10.57%) 28/40
Return on Assets (ROA) (-0.26%) 0/25
Texas Ratio (15.50%) 10/20
Efficiency Ratio (104.13%) 0/15

38 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.

Balance sheet at a glance

Total Assets

$117M

Total balance-sheet footings

Total Deposits

$110M

Customer-funded liabilities

Net Loans

$68M

Outstanding loan book

Net Income

$-308K

Bottom-line earnings

Capital adequacy vs federal thresholds

0% 2% 4% 6% 8% 10% 12% CET1 (≥6.5% req.) Tier 1 (≥8.0% req.) Total (≥10.0% req.) 9.17% 10.57% 11.97%
Basel III capital ratios - Farmers and Mechanics Federal Savings Bank

Where Farmers and Mechanics Federal Savings Bank ranks

Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. Farmers and Mechanics Federal Savings Bank's score of 38/100 falls in the highlighted band.

Farmers and Mechanics Federal Savings Bank: health score vs. every FDIC-insured bank

0-100 composite health score, FDIC Call Reports

38 1st percentile higher than 1% of 4,307 FDIC-insured banks

0–10: 3 FDIC-insured banks (0%). Below this entry. 10–20: 6 FDIC-insured banks (0%). Below this entry. 20–30: 26 FDIC-insured banks (1%). Below this entry. 30–40: 36 FDIC-insured banks (1%). This entry sits in this band. 40–50: 98 FDIC-insured banks (2%). Above this entry. 50–60: 279 FDIC-insured banks (6%). Above this entry. 60–70: 777 FDIC-insured banks (18%). Above this entry. 70–80: 1,030 FDIC-insured banks (24%). Above this entry. 80–90: 1,237 FDIC-insured banks (29%). Above this entry. 90–100: 815 FDIC-insured banks (19%). Above this entry. Farmers and Mechanics Federal Savings… 0 100 every FDIC-insured bank with a health score, bucketed by value

Each bar is a band; taller bars hold more FDIC-insured banks. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count, share, and where it sits relative to this entry.

Source FDIC Call Reports · July 2026

Farmers and Mechanics Federal Savings Bank's size among FDIC-insured banks

Every one of the 4,307 FDIC-insured banks with reported assets, bucketed by total-asset scale (note the buckets are powers of 10, most banks cluster in the $100M-$1B range). Farmers and Mechanics Federal Savings Bank's $117M falls in the highlighted band.

Safety ratios for Farmers and Mechanics Federal Savings…

Tier 1 capital ratio
Well-capitalized 10%

10.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.

Tier 1 Capital Ratio
10.57%
Texas Ratio
15.50%
Equity Capital
$6M

What these ratios mean →

Profitability metrics: Farmers and Mechanics Federal Savings…

Return on Assets (ROA)
4th percentile nationally
-0.26%
Return on Equity (ROE)
-6.24%
Efficiency Ratio
104.13%

What these mean →

Income & expense: loss period at Farmers and Mechanics Federal Savings…

$5M
Interest Income
$365K
Non-Interest Income
$4M
Non-Interest Expense

Asset quality, Texas Ratio detail

The Texas Ratio compares troubled assets to the capital available to absorb losses. Farmers and Mechanics Federal Savings Bank reports a Texas Ratio of 15.50% - within the generally healthy range below the 50% level analysts watch.

Texas Ratio
Caution 50%

15.50% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.

What to watch at Farmers and Mechanics Federal Savings Bank

Farmers and Mechanics Federal Savings Bank's grade of D reflects specific pressure points in the FDIC Call Report. The bank reported negative net income of $-308K for the period, a loss that, if sustained, erodes the equity cushion.

Your deposits are still protected. Regardless of grade, FDIC insurance covers every dollar on deposit at Farmers and Mechanics Federal Savings Bank up to $250,000 per depositor, per ownership category. A weak grade signals institutional financial stress for analysts, it is not a prediction of failure, and it does not affect insured-deposit safety.

FDIC Failed Bank List → View Farmers and Mechanics Federal Savings Bank on FDIC BankFind →

Top banks in Indiana by total assets

Largest banks headquartered in Indiana
  1. 1
    Old National Bank $71.8B

    Evansville, IN · Grade B

  2. 2
    Merchants Bank of Indiana $19.4B

    Carmel, IN · Grade A

  3. 3
    First Merchants Bank $19.0B

    Muncie, IN · Grade A

  4. 4
    Centier Bank $9.7B

    Whiting, IN · Grade A

  5. 5
    1st Source Bank $9.1B

    South Bend, IN · Grade A

Top 5 banks in Indiana ranked by total assets · FDIC Call Report Q4 2025.

Nationwide banks with similar total assets

Nearest other-state banks with ≥$10M assets ($117M here), outside Indiana so the neighborhood is not state containment.

DNB NATIONAL BANK $117M · SD Henderson Federal Savings Bank $117M · TX First Community Bank $117M · IA First State Bank of Golva $117M · ND

Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) Farmers and Mechanics Federal Savings Bank (FDIC Cert #28478) - Tier 1 capital ratio, total assets, deposits, ROA/ROE · 2025 FDIC Call Reports filed quarterly; latest publicly-available vintage shown. Health grades are PlainBankData's interpretation of regulatory filings and are not official FDIC ratings.

Farmers and Mechanics Federal Savings Bank Call Report profile · FDIC Failed Bank List · Indiana FAILURE history · Informational only, not financial advice; consult a licensed professional before acting. See the disclaimer and methodology.

Other banks in Indiana

All Indiana banks →
BankAssetsGradeROA
Old National BankEvansville $71.8B B 1.16%
Merchants Bank of IndianaCarmel $19.4B A 1.20%
First Merchants BankMuncie $19.0B A 1.27%
Centier BankWhiting $9.7B A 1.67%
1st Source BankSouth Bend $9.1B A 1.84%
German American BankJasper $8.4B A 1.46%
Lake City BankWarsaw $7.0B A 1.61%
Horizon BankMichigan City $6.4B C -1.96%