BlastPoint's Banking Scorecard
Farmers & Merchants Bank
Miamisburg, OH
5 branches across 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 +4.5% year over year ($307.3M on the books).
- Delinquency rate 1.06%.
- Return on assets 1.85%.
- Efficiency ratio 48.10% vs a 64.48% peer average.
- Loan-to-deposit ratio 92.91% vs a 77.95% peer average.
Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.
Farmers & Merchants Bank has 3 strengths but faces 2 concerns
Key Strengths
Areas where this bank excels compared to peers
- + ROA 0.52% above tier average
- + Net Interest Margin 0.44% above tier average
- + Efficiency Ratio 16.38% below tier average
Key Concerns
Areas that may need attention
- - Liquidity Strain: Bottom 24.6% in tier
- - Delinquency Rate 0.14% above tier average
Core Metrics
As of 2026-Q2
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Total Assets ? |
$359.4M
+5.4% YoY
+1.3% QoQ
|
-$27.2M |
$386.6M
+1.2% YoY
|
$36.7B
+9.4% YoY
|
$6.3B
+7.7% YoY
|
56% |
| Total Loans ? |
$285.5M
+4.6% YoY
+0.4% QoQ
|
+$27.2M |
$258.3M
+1.7% YoY
|
$16.2B
+12.1% YoY
|
$3.2B
+9.4% YoY
|
65% |
| Total Deposits ? |
$307.3M
+4.5% YoY
+0.8% QoQ
|
-$19.4M |
$326.7M
+0.7% YoY
|
$26.4B
+7.6% YoY
|
$4.9B
+7.3% YoY
|
56% |
| Return on Assets ? |
1.85%
+5.6% YoY
+7.0% QoQ
|
+0.52% |
1.32%
+10.8% YoY
|
1.21%
+9.4% YoY
|
1.30%
+12.1% YoY
|
82% |
| Net Interest Margin ? |
4.43%
-0.6% YoY
+1.1% QoQ
|
+0.44% |
3.99%
+5.0% YoY
|
3.65%
+6.4% YoY
|
3.95%
+4.9% YoY
|
76% |
| Efficiency Ratio ? |
48.10%
-2.6% YoY
-2.5% QoQ
|
-16.38% |
64.48%
-3.2% YoY
|
70.70%
-3.8% YoY
|
70.05%
+2.5% YoY
|
Top 13.2% in tier |
| Delinquency Rate ? |
1.06%
+0.3% QoQ
|
+0.14% |
0.92%
+15.7% YoY
|
0.68%
+23.3% YoY
|
0.98%
+16.3% YoY
|
27% |
| Loan-to-Deposit Ratio ? |
92.91%
+0.1% YoY
-0.4% QoQ
|
+14.96% |
77.95%
+1.0% YoY
|
79.88%
+0.7% YoY
|
79.03%
+2.3% YoY
|
20% |
| Non-Interest-Bearing Deposit Share ? |
26.11%
-5.6% YoY
+7.0% QoQ
|
+4.07% |
22.03%
-0.6% YoY
|
18.59%
+0.9% YoY
|
21.98%
-0.6% YoY
|
70% |
| Nonperforming Asset Ratio ? |
0.84%
-0.6% QoQ
|
+0.17% |
0.67%
+16.4% YoY
|
0.46%
+23.9% YoY
|
0.69%
+15.8% YoY
|
25% |
| Tier 1 Capital Ratio ? |
12.16%
-4.8% YoY
+1.9% QoQ
|
-3.75% |
15.91%
+1.4% YoY
|
18.68%
-0.2% YoY
|
17.09%
+0.8% YoY
|
38% |
| Non-Interest Income / Assets ? |
0.22%
+6.7% YoY
+105.7% QoQ
|
-0.35% |
0.57%
+7.6% YoY
|
1.22%
+2.7% YoY
|
0.66%
+5.2% YoY
|
55% |
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 |
26.1%
-1.5pp YoY +1.7pp QoQ |
+4.0pp | 22.1% | 18.8% | 22.2% | 70% |
| Brokered Deposits |
2.3%
-1.6pp YoY -0.7pp QoQ |
-5.5pp | 7.9% | 7.7% | 8.5% | 32% |
Loan Composition
% of total loans & leases
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| C&I |
13.7%
+0.3pp YoY -0.1pp QoQ |
+2.2pp | 11.6% | 10.2% | 12.5% | 71% |
| CRE |
66.3%
-0.5pp YoY 0.0pp QoQ |
+26.7pp | 39.5% | 34.2% | 41.4% | 90% |
| 1-4 Family |
14.8%
+0.6pp YoY +0.2pp QoQ |
-17.8pp | 32.6% | 50.0% | 31.3% | 19% |
| Consumer |
0.3%
-0.1pp YoY 0.0pp QoQ |
-3.8pp | 4.1% | 4.7% | 5.0% | 10% |
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 |
12.2%
+1.0pp YoY +0.2pp QoQ |
0.0pp | 12.2% | 12.9% | 12.6% | 66% |
| 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 |
39
-1 (-2.5%) YoY -1 (-2.5%) QoQ |
-20 | 58 | 2,433 | 482 | 40% |
| Assets per Employee ($) |
$9.2M
+8.1% YoY +3.9% QoQ |
+$1.7M | $7.5M | $7.6M | $8.8M | 81% |
| Branch Count |
5
0 YoY 0 QoQ |
0 | 4 | 81 | 18 | 55% |
Asset Quality
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| Past Due 90+ Days | 0.0% | -0.3pp | 0.3% | 0.2% | 0.4% | 28% |
| Nonaccrual |
1.0%
0.0pp QoQ |
+0.1pp | 0.9% | 0.6% | 1.0% | 72% |
| Allowance Coverage |
1.52x
+0.8% QoQ |
-22.63x | 24.15x | 18.95x | 20.23x | 40% |
| Net Charge-off Rate (YTD) |
0.0%
0.0pp YoY 0.0pp QoQ |
-0.1pp | 0.1% | 0.1% | 0.2% | 43% |
Profitability
| Metric | Current | vs Tier | Tier Avg | State Avg (OH) | National Avg | Tier Percentile |
|---|---|---|---|---|---|---|
| ROE |
16.9%
-1.4pp YoY +0.8pp QoQ |
+4.7pp | 12.2% | 9.7% | 11.6% | 77% |
| Cost of Funds (YTD) |
1.9%
0.0pp YoY 0.0pp QoQ |
+0.2pp | 1.7% | 1.7% | 1.7% | 64% |
| Net Income ($, YTD) |
$3.3M
+13.4% YoY — QoQ |
+$736K | $2.6M | $259.3M | $40.4M | 73% |
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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 (0)
Concerns (1)
Liquidity Strain
riskLoan-to-deposit ratio above 90% - loan demand outpacing deposits. Bumping against liquidity limits, funding solutions needed.
Metric Rankings
See how this bank ranks across all tracked metrics compared to peers.