BlastPoint's Banking Scorecard

Farmers & Merchants Bank

$100M-$1B Specialty: Commercial OH FDIC cert 9462

Miamisburg, OH

5 branches across OH

2664 banks in the $100M-$1B peer group nationally 98 in OH

Farmers & 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 0.46% above tier average
+ Net Interest Margin 0.45% above tier average
+ Efficiency Ratio 15.95% below tier average

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 36.9% in tier
- Delinquency Rate 0.17% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (OH)	National Avg	Tier Percentile
Total Assets ?	$354.8M +6.9% YoY -0.0% QoQ	-$31.3M	$386.1M +0.5% YoY	$35.8B +10.6% YoY	$6.2B +9.1% YoY	55%
Total Loans ?	$284.3M +7.1% YoY +0.6% QoQ	+$28.6M	$255.7M +1.1% YoY	$15.7B +12.8% YoY	$3.2B +10.8% YoY	65%
Total Deposits ?	$304.8M +6.9% YoY +0.5% QoQ	-$23.2M	$328.0M +0.1% YoY	$25.9B +8.5% YoY	$4.8B +8.2% YoY	55%
Return on Assets ?	1.73% +5.2% YoY +5.8% QoQ	+0.46%	1.27% +12.9% YoY	1.12% +9.9% YoY	1.23% +13.4% YoY	79%
Net Interest Margin ?	4.38% +1.1% YoY -1.3% QoQ	+0.45%	3.93% +6.0% YoY	3.58% +7.5% YoY	3.89% +5.7% YoY	77%
Efficiency Ratio ?	49.34% -3.0% YoY -0.9% QoQ	-15.95%	65.29% -4.5% YoY	72.65% -4.0% YoY	66.95% -4.1% YoY	Top 14.7% in tier
Delinquency Rate ?	1.06% -0.6% QoQ	+0.17%	0.89% +18.8% YoY	0.65% +14.5% YoY	0.95% +18.8% YoY	27%
Loan-to-Deposit Ratio ?	93.26% +0.2% YoY +0.1% QoQ	+16.62%	76.64% +0.8% YoY	79.14% +0.8% YoY	76.70% +0.9% YoY	18%
Non-Interest-Bearing Deposit Share ?	24.41% -12.7% YoY -3.4% QoQ	+2.39%	22.02% -1.0% YoY	18.08% -0.4% YoY	22.01% -1.2% YoY	64%
Nonperforming Asset Ratio ?	0.85% +0.0% QoQ	+0.21%	0.64% +19.7% YoY	0.44% +14.5% YoY	0.67% +19.3% YoY	24%
Tier 1 Capital Ratio ?	11.93% -4.8% YoY +4.1% QoQ	-3.90%	15.83% +1.5% YoY	19.44% +3.1% YoY	17.06% +0.8% YoY	34%
Non-Interest Income / Assets ?	0.10% +6.4% YoY -74.3% QoQ	-0.18%	0.28% +9.3% YoY	0.57% -2.4% YoY	0.32% +4.1% YoY	55%

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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 (1)

Liquidity Strain

risk

#238 of 643 • Bottom 36.9% in tier

Loan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.

Why this signature

Loan-to-Deposit Ratio: 93.26%

(Tier: 76.64%, National: 76.70%)

worse than tier avg

643 of 643 Community banks match · 1013 nationally

→ Stable -50 banks QoQ | QoQ rank improving

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 (3 metrics)

393

Efficiency Ratio

profitability

Value: 49.34%

Peer Median: 65.29%

#393 of 2664 Top 14.7% in $100M-$1B

569

Return on Assets

profitability

Value: 1.73%

Peer Median: 1.27%

#569 of 2664 Top 21.3% in $100M-$1B

612

Net Interest Margin

profitability

Value: 4.38%

Peer Median: 3.93%

#612 of 2664 Top 22.9% in $100M-$1B

Top Weaknesses (2 metrics)

2198

Loan-to-Deposit Ratio

liquidity

Value: 93.26%

Peer Median: 76.64%

#2198 of 2664 Bottom 17.5% in $100M-$1B

2024

Nonperforming Asset Ratio

credit_quality

Value: 0.85%

Peer Median: 0.64%

#2024 of 2664 Bottom 24.1% in $100M-$1B