BlastPoint's Banking Scorecard

Farmers and Merchants Bank

$100M-$1B Specialty: Other IN FDIC cert 13801

Laotto, IN

4 branches across IN

2664 banks in the $100M-$1B peer group nationally 60 in IN

Farmers and Merchants Bank has 3 strengths but faces 1 concern

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 0.17% above tier average
+ Efficiency Ratio 9.77% below tier average
+ Delinquency Rate 0.86% below tier average

Key Concerns

Areas that may need attention

- Net Interest Margin 0.69% below tier average

Get updates when Farmers and Merchants Bank releases new data →

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (IN)	National Avg	Tier Percentile
Total Assets ?	$314.5M +12.6% YoY +3.2% QoQ	-$71.6M	$386.1M +0.5% YoY	$2.5B +12.1% YoY	$6.2B +9.1% YoY	49%
Total Loans ?	$189.8M +12.7% YoY +2.0% QoQ	-$66.0M	$255.7M +1.1% YoY	$1.7B +14.1% YoY	$3.2B +10.8% YoY	46%
Total Deposits ?	$288.4M +11.9% YoY +3.0% QoQ	-$39.5M	$328.0M +0.1% YoY	$2.0B +11.8% YoY	$4.8B +8.2% YoY	52%
Return on Assets ?	1.44% +31.0% YoY +17.1% QoQ	+0.17%	1.27% +12.9% YoY	0.81% -6.6% YoY	1.23% +13.4% YoY	64%
Net Interest Margin ?	3.24% +13.6% YoY +7.0% QoQ	-0.69%	3.93% +6.0% YoY	3.60% +8.5% YoY	3.89% +5.7% YoY	19%
Efficiency Ratio ?	55.52% -9.1% YoY -5.6% QoQ	-9.77%	65.29% -4.5% YoY	105.71% +27.0% YoY	66.95% -4.1% YoY	72%
Delinquency Rate ?	0.02% -68.2% YoY	-0.86%	0.89% +18.8% YoY	0.90% +15.9% YoY	0.95% +18.8% YoY	83%
Loan-to-Deposit Ratio ?	65.78% +0.7% YoY -1.0% QoQ	-10.85%	76.64% +0.8% YoY	81.10% +0.7% YoY	76.70% +0.9% YoY	74%
Non-Interest-Bearing Deposit Share ?	16.53% -6.7% YoY -4.0% QoQ	-5.49%	22.02% -1.0% YoY	17.15% -0.9% YoY	22.01% -1.2% YoY	30%
Nonperforming Asset Ratio ?	0.01% -68.1% YoY	-0.62%	0.64% +19.7% YoY	0.67% +21.6% YoY	0.67% +19.3% YoY	85%
Tier 1 Capital Ratio ?	10.92% +16.1% YoY -3.4% QoQ	-4.91%	15.83% +1.5% YoY	16.04% +1.8% YoY	17.06% +0.8% YoY	22%
Non-Interest Income / Assets ?	0.08% -5.1% YoY -75.5% QoQ	-0.20%	0.28% +9.3% YoY	0.79% -14.5% YoY	0.32% +4.1% YoY	39%

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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).

Compare against:

Comparing against 2664 peers in $100M-$1B

Top Strengths (2 metrics)

408

Nonperforming Asset Ratio

credit_quality

Value: 0.01%

Peer Median: 0.64%

#408 of 2664 Top 15.3% in $100M-$1B

440

Delinquency Rate

credit_quality

Value: 0.02%

Peer Median: 0.89%

#440 of 2654 Top 16.5% in $100M-$1B

Top Weaknesses (2 metrics)

2155

Net Interest Margin

profitability

Value: 3.24%

Peer Median: 3.93%

#2155 of 2664 Bottom 19.1% in $100M-$1B

2079

Tier 1 Capital Ratio

capital

Value: 10.92%

Peer Median: 15.83%

#2079 of 2664 Bottom 22.0% in $100M-$1B