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 Farmers & Merchants Bank
Farmers & Merchants Bank
| RSSD ID 176325 | CERTIFICATE 9462 | ABA NUMBER 42213389 |
| 41 S 1st St |
Quarter Ended : |
2025-12-31 |
| Miamisburg, Ohio, 45342 |
Updated : |
2026-01-21 |
| www.bankwithfm.com |
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| Institution Profile |
| Year Opened : |
1923 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
5 |
Number of Employees : |
38 |
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| Related Company Filings |
Regulator |
 F&M BCORP |
FED |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 354,811 |
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Total Interest Income | 20,636 |
| Total Liabilities | 317,224 |
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Total NonInterest Income | 1,449 |
| Total Bank Equity Capital | 37,587 |
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Total Interest Expense | 6,219 |
| Total Deposits | 303,425 |
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Total NonInterest Expense | 7,902 |
| Net Loans & Leases | 282,562 |
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Net Income | 5,539 |
| Loan Loss Allowance | 4,394 |
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Net Charge Offs | 112 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Community Bank Leverage Ratio | Yes |
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Total loans | 283,127 |
| Total assets for the leverage ratio | 353,023 |
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Loans secured by real estate: | 235,630 |
| Tier 1 Leverage Ratio | 11.46 |
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Commercial and industrial loans | 37,959 |
| Off Balance Sheet Exposures (%) | 15.95 |
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Loans to individuals - Credit Cards | 0 |
| Trading Assets and Liabilities (%) | 0 |
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Loans to individuals - Other | 887 |
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:· Farmers & Merchants Bank
