Total Assets
$134M
Total balance-sheet footings
FDIC Cert #10280 · Caldwell, Ohio · Est. 1912
The Farmers and Merchants Bank - FDIC Bank Health Profile
A community-scale look at The Farmers and Merchants Bank's own numbers, pulled straight from its quarterly FDIC Call Report.
- $134M
- Total assets
- B
- Health grade · Good
- 1.10%
- Return on assets
- 14.6%
- Tier 1 capital
Data updated July 2026
The verdict
The Farmers and Merchants Bank earns a PlainBankData health grade of B (73/100), with well-capitalized at 14.57% Tier 1, profitable at 1.10% ROA, 63% efficiency ratio.
- #3,493
- largest of 4,313 FDIC banks by assets
- 19th
- percentile by asset size, nationally
- 14.57%
- Tier 1 ratio - above the 10% well-capitalized line
- 50th
- percentile for profitability (ROA), nationally
The grade above reflects PlainBankData's own read of the bank's regulatory filings, not an FDIC judgment, deposit coverage stays at $250,000 per depositor, per category, unaffected by it.
How The Farmers and Merchants Bank's 73/100 score adds up
Each factor is scored from this bank's own FDIC Call Report figures, then summed to the composite health score.
The Farmers and Merchants Bank's composite health score
Tier 1 Capital Ratio (14.57%) 35/40
Return on Assets (ROA) (1.10%) 20/25
Texas Ratio (15.99%) 10/20
Efficiency Ratio (63.44%) 8/15
73 of 100 points earned across four weighted factors. See our methodology for the full scoring formula.
Balance sheet at a glance
Total Deposits
$114M
Customer-funded liabilities
Net Loans
$79M
Outstanding loan book
Net Income
$1M
Bottom-line earnings
Capital adequacy vs federal thresholds
Where The Farmers and Merchants Bank ranks
Every one of the 4,307 FDIC-insured banks with a computed health score, bucketed by score. The Farmers and Merchants Bank's score of 73/100 falls in the highlighted band.
The Farmers and Merchants 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). The Farmers and Merchants Bank's $134M falls in the highlighted band.
Safety metrics
Tier 1 capital ratio
Well-capitalized 10%
14.57% of risk-weighted assets - above the federal "well-capitalized" threshold of 10%.
Tier 1 Capital Ratio
14.57%
Texas Ratio
15.99%
Equity Capital
$19M
Profitability metrics
Return on Assets (ROA)
50th percentile nationally
1.10%
Return on Equity (ROE)
7.94%
Efficiency Ratio
63.44%
What the numbers say about The Farmers and Merchants Bank
The Farmers and Merchants Bank is an FDIC-insured institution (Certificate #10280) headquartered in Caldwell, Ohio, established in 1912. It holds $134M in total assets - 3,493rd of 4,313 FDIC-insured banks, $114M in customer deposits, and $79M in net loans. On safety, its Tier 1 capital ratio of 14.57% is above the 10% well-capitalized threshold, and its Texas Ratio of 15.99% sits in the healthy range below 50%. It earns a PlainBankData health grade of B (73/100), a composite of Tier 1 capital, ROA, the Texas Ratio, and efficiency. All of it traces back to the bank's own quarterly FDIC Call Report filing.
By assets, The Farmers and Merchants Bank ranks 115th of 158 banks based in Ohio -- squarely in the community-bank tier. Size alone doesn't determine a bank's local importance; a bank this size often has deeper, longer-standing relationships with the specific businesses and depositors it serves than a much larger institution would.
Income & expense breakdown
$7M
Interest Income
$268K
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. The Farmers and Merchants Bank reports a Texas Ratio of 15.99% - within the generally healthy range below the 50% level analysts watch.
Texas Ratio
Caution 50%
15.99% - lower is safer; 100% is the level at which troubled assets equal loss-absorbing capital.
Top banks in Ohio by total assets
Source: FDIC BankFind Suite, Call Report (FFIEC 031/041) The Farmers and Merchants Bank (FDIC Cert #10280) - 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.
Other banks in Ohio
All Ohio banks →| Bank | Assets | Grade | ROA |
|---|---|---|---|
| JPMorgan Chase Bank, National AssociationColumbus | $3.75T | A | 1.34% |
| U.S. Bank National AssociationCincinnati | $676.1B | A | 1.18% |
| The Huntington National BankColumbus | $224.0B | A | 1.20% |
| Fifth Third Bank, National AssociationCincinnati | $213.7B | A | 1.34% |
| KeyBank National AssociationCleveland | $181.7B | A | 1.17% |
| First Financial BankCincinnati | $21.0B | A | 1.53% |
| Third Federal Savings and Loan Association of ClevelandCleveland | $17.5B | A | 0.51% |
| The Park National BankNewark | $9.7B | A | 1.90% |
Frequently asked questions
What is The Farmers and Merchants Bank's health grade?▼
The Farmers and Merchants Bank receives a health grade of B (73/100) based on four FDIC financial metrics: Tier 1 Capital Ratio (40%), Return on Assets (25%), Texas Ratio (20%), and Efficiency Ratio (15%). This bank shows good financial health with solid capital levels above regulatory minimums.
How large is The Farmers and Merchants Bank?▼
The Farmers and Merchants Bank holds $134M in total assets and $114M in deposits, ranking 3,493rd of 4,313 FDIC-insured banks by asset size. It is headquartered in Caldwell, Ohio.
Is my money safe at The Farmers and Merchants Bank?▼
Yes, deposits at The Farmers and Merchants Bank (Certificate #10280) are FDIC-insured up to $250,000 per depositor, per ownership category, regardless of health grade.
What is The Farmers and Merchants Bank's Tier 1 Capital Ratio?▼
The Farmers and Merchants Bank has a Tier 1 Capital Ratio of 14.57%. This exceeds the 10% threshold for "well-capitalized" status under federal banking regulations.
What is the Texas Ratio for The Farmers and Merchants Bank?▼
The Farmers and Merchants Bank has a Texas Ratio of 15.99%. A ratio below 50% is generally considered healthy. The Texas Ratio measures non-performing loans against equity and reserves, a higher ratio signals greater exposure to loan losses.
How efficient is The Farmers and Merchants Bank?▼
The Farmers and Merchants Bank has an Efficiency Ratio of 63.44%. Above 60% means a larger share of revenue goes to operating costs. This metric compares non-interest expenses to total revenue.
What to do with this
How to read The Farmers and Merchants Bank's profile as a depositor or analyst.
- The Farmers and Merchants Bank's grade reflects capital, profitability, and asset quality, read the four pillars before drawing conclusions. How grades work
- Compare The Farmers and Merchants Bank against other Ohio banks before moving funds. Ohio banks
Not financial advice. Health grades are PlainBankData's interpretation of public FDIC Call Report data, not official FDIC ratings or predictions. Verify the latest figures at the FDIC BankFind Suite.
Every figure on PlainBankData is rendered directly from FDIC federal source data, no number is typed in by an editor. Informational only, not professional advice; consult a qualified professional before acting on it. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error. Data current as of Q4 2025.
Disclaimer: Data from the FDIC BankFind Suite. PlainBankData does not rate or rank banks as investment or safety recommendations. Health grades are informational only, computed from public regulatory filings. Always verify current standing directly with FDIC.gov before making financial decisions.