BlastPoint's Banking Scorecard
The Farmers and Merchants Bank
$100M-$1B
Specialty: Other
OH
FDIC cert 10280
Caldwell, OH
NEW · Q2 2026 RECAP
Your Quarter, Wrapped
A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.
Q2 2026 at a glance
- 1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 96 in OH.
- Deposits +1.7% year over year ($116.5M on the books).
- Delinquency rate 3.95%.
- Return on assets 1.47%.
- Efficiency ratio 55.30% vs a 64.48% peer average.
- Loan-to-deposit ratio 66.11% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
2643
banks in the $100M-$1B peer group nationally
96 in OH
View $100M-$1B leaderboard (OH) →
The Farmers and Merchants Bank has 3 strengths but faces 2 concerns
Key Strengths include matched growth signatures,
metrics ranked in the top 10%, and values meaningfully above the tier average.
Key Concerns include matched risk or decline signatures,
metrics ranked in the bottom 10%, and values meaningfully below the tier average.
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.15% above tier average
- + Net Interest Margin 0.80% above tier average
- + Efficiency Ratio 9.18% below tier average
Key Concerns
Areas that may need attention
- - Delinquency Rate 3.04% above tier average
- - Nonperforming Asset Ratio 1.62% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$136.4M
+2.3% YoY
+1.1% QoQ
|
-$250.2M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
Bottom 10.0% in tier |
| Total Loans ? |
$77.0M
-1.5% YoY
-2.1% QoQ
|
-$181.3M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
Bottom 9.3% in tier |
| Total Deposits ? |
$116.5M
+1.7% YoY
+1.2% QoQ
|
-$210.3M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
Bottom 10.6% in tier |
| Return on Assets ? |
1.47%
+30.9% YoY
-6.7% QoQ
|
+0.15% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
64% |
| Net Interest Margin ? |
4.79%
+8.0% YoY
-4.0% QoQ
|
+0.80% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
Top 12.3% in tier |
| Efficiency Ratio ? |
55.30%
-9.9% YoY
+1.7% QoQ
|
-9.18% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
71% |
| Delinquency Rate ? |
3.95%
-11.2% YoY
-2.0% QoQ
|
+3.04% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
Bottom 3.6% in tier |
| Loan-to-Deposit Ratio ? |
66.11%
-3.1% YoY
-3.3% QoQ
|
-11.84% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
75% |
| Non-Interest-Bearing Deposit Share ? |
31.05%
+2.5% YoY
+1.8% QoQ
|
+9.02% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
84% |
| Nonperforming Asset Ratio ? |
2.29%
-12.3% YoY
-4.3% QoQ
|
+1.62% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
Bottom 5.5% in tier |
| Tier 1 Capital Ratio ? |
14.92%
+4.9% YoY
-0.8% QoQ
|
-0.99% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
65% |
| Non-Interest Income / Assets ? |
0.09%
-14.3% YoY
+80.9% QoQ
|
-0.47% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
17% |
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Additional Detail
Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2
Deposit Composition
% of total deposits
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Noninterest-Bearing |
31.0%
+0.8pp YoY +0.6pp QoQ |
+8.9pp | 22.1% | 18.8% | 22.2% | 84% |
| Brokered Deposits | n/a | n/a | 7.9% | 7.7% | 8.5% | n/a |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
6.8%
-0.7pp YoY -0.2pp QoQ |
-4.7pp | 11.6% | 10.2% | 12.5% | 32% |
| CRE |
10.3%
-1.7pp YoY -0.8pp QoQ |
-29.2pp | 39.5% | 34.2% | 41.4% | 5% |
| 1-4 Family |
76.6%
+5.1pp YoY +2.0pp QoQ |
+44.0pp | 32.6% | 50.0% | 31.3% | 96% |
| Consumer |
7.6%
-2.0pp YoY -0.4pp QoQ |
+3.5pp | 4.1% | 4.7% | 5.0% | 87% |
Capital
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| CET1 Ratio | n/a | n/a | 18.8% | 22.1% | 19.7% | n/a |
| Leverage Ratio |
14.9%
+0.7pp YoY -0.1pp QoQ |
+2.7pp | 12.2% | 12.9% | 12.6% | 86% |
| Total Capital Ratio | n/a | n/a | 19.9% | 23.2% | 20.8% | n/a |
Efficiency & Staffing
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Full-Time Employees |
27
-1 (-3.6%) YoY -1 (-3.6%) QoQ |
-32 | 58 | 2,433 | 482 | 22% |
| Assets per Employee ($) |
$5.1M
+6.1% YoY +4.8% QoQ |
-$2.5M | $7.5M | $7.6M | $8.8M | 15% |
| Branch Count |
1
0 YoY 0 QoQ |
-4 | 4 | 81 | 18 | 0% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days |
1.0%
+0.2pp YoY -0.1pp QoQ |
+0.7pp | 0.3% | 0.2% | 0.4% | 91% |
| Nonaccrual |
3.0%
-0.7pp YoY +0.1pp QoQ |
+2.0pp | 0.9% | 0.6% | 1.0% | 94% |
| Allowance Coverage |
0.60x
+24.1% YoY +6.8% QoQ |
-23.55x | 24.15x | 18.95x | 20.23x | 14% |
| Net Charge-off Rate (YTD) |
0.1%
-0.2pp YoY +0.2pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 74% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
10.2%
+1.8pp YoY -0.7pp QoQ |
-2.0pp | 12.2% | 9.7% | 11.6% | 38% |
| Cost of Funds (YTD) |
0.8%
-0.2pp YoY 0.0pp QoQ |
-0.9pp | 1.7% | 1.7% | 1.7% | 6% |
| Net Income ($, YTD) |
$992,000
+31.4% YoY — QoQ |
-$1.6M | $2.6M | $259.3M | $40.4M | 26% |
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$250B+
12 performance metrics with tier, state, and national benchmarks
Signature behaviors (strengths & concerns)
Metric and signature rankings across 4,287 FDIC-insured banks
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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 are growth signatures this bank matches
(e.g. Revenue Diversifier, Profitability Leader).
Concerns are risk or decline signatures this bank matches
(e.g. Margin Compression, Credit Quality Pressure).
Strengths (0)
No matched strength signatures this quarter
Concerns (0)
No matched concern signatures this quarter
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.
Strengths are metrics in the top 25%
(75th percentile or higher).
Concerns are metrics in the bottom 25%
(25th percentile or lower).
Top Strengths (3 metrics)
326
Net Interest Margin
profitability
Value:
4.79%
Peer Median: 3.99%
#326 of 2643
Top 12.3% in $100M-$1B
414
Non-Interest-Bearing Deposit Share
funding
Value:
31.05%
Peer Median: 22.03%
#414 of 2643
Top 15.6% in $100M-$1B
659
Loan-to-Deposit Ratio
liquidity
Value:
66.11%
Peer Median: 77.95%
#659 of 2643
Top 24.9% in $100M-$1B
Top Weaknesses (6 metrics)
2538
Delinquency Rate
credit_quality
Value:
3.95%
Peer Median: 0.92%
#2538 of 2633
Bottom 3.6% in $100M-$1B
2499
Nonperforming Asset Ratio
credit_quality
Value:
2.29%
Peer Median: 0.67%
#2499 of 2643
Bottom 5.5% in $100M-$1B
2399
Total Loans
size
Value:
$77.00M
Peer Median: $258.35M
#2399 of 2643
Bottom 9.3% in $100M-$1B
2381
Total Assets
size
Value:
$136.38M
Peer Median: $386.57M
#2381 of 2643
Bottom 10.0% in $100M-$1B
2363
Total Deposits
size
Value:
$116.46M
Peer Median: $326.73M
#2363 of 2643
Bottom 10.6% in $100M-$1B
2204
Non-Interest Income / Assets
revenue_mix
Value:
0.09%
Peer Median: 0.57%
#2204 of 2643
Bottom 16.6% in $100M-$1B