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41 South First Street
Miamisburg, OH 45342

Farmers & Merchants Bank (OH) is headquartered in Miamisburg and is the 136th largest bank in the state of Ohio. It is also the 4,385th largest bank in the nation. It was established in 1923 and as of June of 2014, it had grown to 22 employees at 3 locations. Farmers & Merchants Bank (OH) has a B+ 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 Q2 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 June 30, 2014 Farmers & Merchants Bank (OH) had $0 in non-current loans and owned real-estate with $11.75 million in equity and loan loss allowances on hand to cover it. This gives Farmers & Merchants Bank (OH) a Texas Ratio of 0.00% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Deposit Growth


In the past year, Farmers & Merchants Bank (OH) has decreased its total deposits by -$4.5 million, resulting in -4.37% 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 below average.



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 $113.47 million in assets with $11.75 million in equity, resulting in a capitalization level of 10.36%, which is above average.

Institution Statistics

FDIC Certificate #9462
Year Established1923
Primary RegulatorFDIC
Assets and Liabilities
Assets$113.47 million
Loans$72.26 million
Deposits$98.60 million
Equity Capital$10.74 million
Loan Loss Allowance$1.01 million
Real Estate Owned$0
Historic Data - June 2013
Assets$112.85 million
Equity Capital$9.52 million
Loan Loss Allowance$1.03 million
Unbacked Noncurrent Loans$0
Real Estate Owned$392,000
Profit Margin - Quarterly
Return on Assets0.92%
Return on Equity10.17%
Interest Income$2.20 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