BlastPoint's Banking Scorecard
The Farmers and Merchants Bank
Caldwell, OH
The Farmers and Merchants Bank has 3 strengths but faces 3 concerns
Key Strengths
Areas where this bank excels compared to peers
- + Deposit Franchise: Top 62.1% in tier
- + ROA 0.31% above tier average
- + Efficiency Ratio 10.91% below tier average
Key Concerns
Areas that may need attention
- - Deposit Outflow: Bottom 46.6% in tier
- - Delinquency Rate 3.15% above tier average
- - Nonperforming Asset Ratio 1.76% above tier average
Core Metrics
As of 2026-Q1
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$134.9M
-0.4% YoY
+1.0% QoQ
|
-$251.1M |
$386.1M
+0.5% YoY
|
$35.8B
+10.6% YoY
|
$6.2B
+9.1% YoY
|
Bottom 9.6% in tier |
| Total Loans ? |
$78.7M
+2.0% YoY
-0.8% QoQ
|
-$177.0M |
$255.7M
+1.1% YoY
|
$15.7B
+12.8% YoY
|
$3.2B
+10.8% YoY
|
Bottom 10.7% in tier |
| Total Deposits ? |
$115.1M
-1.6% YoY
+0.7% QoQ
|
-$212.9M |
$328.0M
+0.1% YoY
|
$25.9B
+8.5% YoY
|
$4.8B
+8.2% YoY
|
Bottom 10.4% in tier |
| Return on Assets ? |
1.58%
+76.8% YoY
+43.3% QoQ
|
+0.31% |
1.27%
+12.9% YoY
|
1.12%
+9.9% YoY
|
1.23%
+13.4% YoY
|
71% |
| Net Interest Margin ? |
4.99%
+23.4% YoY
+10.9% QoQ
|
+1.06% |
3.93%
+6.0% YoY
|
3.58%
+7.5% YoY
|
3.89%
+5.7% YoY
|
Top 7.4% in tier |
| Efficiency Ratio ? |
54.37%
-16.9% YoY
-14.3% QoQ
|
-10.91% |
65.29%
-4.5% YoY
|
72.65%
-4.0% YoY
|
66.95%
-4.1% YoY
|
75% |
| Delinquency Rate ? |
4.04%
-16.0% YoY
-4.0% QoQ
|
+3.15% |
0.89%
+18.8% YoY
|
0.65%
+14.5% YoY
|
0.95%
+18.8% YoY
|
Bottom 3.3% in tier |
| Loan-to-Deposit Ratio ? |
68.39%
+3.7% YoY
-1.5% QoQ
|
-8.25% |
76.64%
+0.8% YoY
|
79.14%
+0.8% YoY
|
76.70%
+0.9% YoY
|
70% |
| Non-Interest-Bearing Deposit Share ? |
30.49%
-2.3% YoY
+3.0% QoQ
|
+8.47% |
22.02%
-1.0% YoY
|
18.08%
-0.4% YoY
|
22.01%
-1.2% YoY
|
83% |
| Nonperforming Asset Ratio ? |
2.39%
-12.4% YoY
-5.7% QoQ
|
+1.76% |
0.64%
+19.7% YoY
|
0.44%
+14.5% YoY
|
0.67%
+19.3% YoY
|
Bottom 4.7% in tier |
| Tier 1 Capital Ratio ? |
15.03%
+6.0% YoY
+3.2% QoQ
|
-0.80% |
15.83%
+1.5% YoY
|
19.44%
+3.1% YoY
|
17.06%
+0.8% YoY
|
66% |
| Non-Interest Income / Assets ? |
0.05%
-6.3% YoY
-74.1% QoQ
|
-0.23% |
0.28%
+9.3% YoY
|
0.57%
-2.4% YoY
|
0.32%
+4.1% YoY
|
20% |
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Signature Analysis
Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.
Strengths (1)
Deposit Franchise
growthTop-quartile non-interest-bearing deposits AND top-quartile NIM. A premium deposit franchise translating into above-peer spread.
Concerns (1)
Deposit Outflow
declineDeposits down 0.5%+ YoY. Funding base eroding - rate competition or franchise weakness.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.