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41 South First Street
Miamisburg, OH 45342

Farmers & Merchants Bank (OH) is headquartered in Miamisburg and is the 135th largest bank in the state of Ohio. It is also the 4,409th largest bank in the nation. It was established in 1923 and as of March of 2014, it had grown to 22 employees at 3 locations. Farmers & Merchants Bank (OH) has a A health rating.

Reviews (1)

Farmers & Merchants Is A Pleasure To Do Business With

Farmers Merchants is a pleasure to do business with as they make it a point to know their customers, and they still make all decisions locally.


Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Farmers & Merchants Bank (OH) had $509,000 in non-current loans and owned real-estate with $11.19 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank (OH) a Texas Ratio of 4.55% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Farmers & Merchants Bank (OH) decreased slightly from 5.28% as of March 31, 2013 to 4.55% as of March 31, 2014, resulting in a positive change of 13.85%.This indicates that the balance sheet and financial strength for Farmers & Merchants Bank (OH) has improved slightly in recent periods.

Deposit Growth


In the past year, Farmers & Merchants Bank (OH) has increased its total deposits by $6.54 million, resulting in 6.79% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Farmers & Merchants Bank (OH) has shown is excellent.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Farmers & Merchants Bank (OH) has $114.34 million in assets with $11.19 million in equity, resulting in a capitalization level of 9.79%, which is above average.

Institution Statistics

FDIC Certificate #9462
Year Established1923
Primary RegulatorFDIC
Assets and Liabilities
Assets$114.35 million
Loans$68.89 million
Deposits$102.87 million
Equity Capital$10.26 million
Loan Loss Allowance$935,000
Unbacked Noncurrent Loans$152,000
Real Estate Owned$357,000
Historic Data - March 2013
Assets$107.00 million
Equity Capital$10.20 million
Loan Loss Allowance$937,000
Unbacked Noncurrent Loans$152,000
Real Estate Owned$410,000
Profit Margin - Quarterly
Net Interest Margin3.98%
Return on Assets0.86%
Return on Equity9.69%
Interest Income$1.09 million

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Farmers & Merchants Bank (OH) Savings Account Rates

0.15%$25k-Minor Saving Account
0.15%$25k-Passbook Saving Account
0.15%$25k-Statement Saving Account

Farmers & Merchants Bank (OH) Money Market Rates

0.15%$25k-Money Market Hi-Fi Investment Account

Farmers & Merchants Bank (OH) Checking Account Rates

0.10%$10k-Freedom Checking Account

Farmers & Merchants Bank (OH) CD Rates

1.00%$1k-5 Year CD
0.75%$1k-4 Year CD
0.65%$1k-3 Year CD
0.40%$1k-2 Year CD
0.30%$1k-18 Month CD
0.25%$1k-1 Year CD
0.15%$1k-6 Month CD
0.10%$1k-1 Month CD
0.10%$1k-3 Month CD

Farmers & Merchants Bank (OH) IRA Rates

0.45%$500-30 Month Regular IRA
0.40%$500-24 Month Roth IRA
0.20%$500-12 Month Variable IRA

Farmers & Merchants Bank (OH) Locations
Germantown Branch2367 Beechwood DriveGermantown, OH 45327
West Carrollton Branch3235 W. Alexandersville-Bellbrook RdWest Carrollton, OH 45449
Farmers & Merchants Bank41 South First StreetMiamisburg, OH 45342