Farmers & Merchants Bank
Miamisburg, OH
IDRSSD: 176325
Total Assets
$354.81M
Latest filing
Total Deposits
$303.43M
Latest filing
Net Interest Margin
4.41%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
Farmers & Merchants Bank
41 S 1st St
Miamisburg, OH 45342
Full Service - Brick and Mortar
Updated 01/30/2026Established 11/23/1923FDIC Certificate 6080
Branches (4)
Page 1 of 1| Name | Address | City / State |
|---|---|---|
| Farmers & Merchants Bank (Main) | 41 S 1st St | Miamisburg, OH |
| WEST CARROLLTON BRANCH | 3235 Alexandersvil Bellbrk Rd | West Carrollton, OH |
| GERMANTOWN BRANCH | 2367 Beechwood Dr | Germantown, OH |
| NEW LEBANON BRANCH | 47 W Main St | New Lebanon, OH |
| SPRINGBORO BRANCH | 720 Gardner Rd | Springboro, OH |
Showing 4 of 4
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 11/23/1923 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 45342 |
| State and County Number | 39113 |
| Subchapter S Corporations | No |
| Trust Powers | N/A |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Dayton-Kettering, OH |
Operational Info
| Number of Employees | 40 |
| Domestic Offices | 5 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 08/31/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.bankwithfm.com |
| Data Updated | 01/30/2026 |
| CERT | 9462 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $354.81M |
| Total Deposits | $303.43M |
| Total Liabilities | $317.22M |
| Total Equity Capital | $37.59M |
| Net Income | $1.15M |
| Net Loans and Leases | $282.56M |
| Assets Per Employee ($Millions) | $9.34M |
| Bank Premises and Fixed Assets | $3.63M |
| Cash and Balances due from Depository Institutions | $2.26M |
| Deposits Held in Domestic Offices | $303.43M |
Key Performance Ratios
| Return on Assets (ROA) | 1.31% |
| Return on Equity (ROE) | 12.58% |
| Net Interest Margin | 4.41% |
| Efficiency Ratio | 50.27% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.17% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 10.594% |
| Earning Assets to total Assets | 95.87% |
Income and Expense
| Total Interest Income | $5.33M |
| Total Noninterest Income | $388.00k |
| Total Interest Expense | $1.62M |
| Total Noninterest Expense | $2.06M |
| Net Interest Income | $3.71M |
| Pre-tax Net Operating Income | $1.89M |
| Provision for Credit Losses | $150.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $12.30M |
| Federal Funds Sold & Reverse Repurchase Agreement | $9.23M |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $1.50M |
| Total Liabilities and Capital | $354.81M |
Securities
| Securities | $48.17M |
| Available-for-sale debt securities | $48.08M |
| Equity securities with readily determinable fair values not held for trading | — |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of Farmers & Merchants Bank?
$354.81M as of the latest filing.
How much are Farmers & Merchants Bank's total deposits?
$303.43M in total deposits.
Where is Farmers & Merchants Bank located?
Miamisburg, OH.
What is the Net Interest Margin?
4.41%.
How many domestic offices does it operate?
5.
When was it established?
11/23/1923.
What is the Return on Assets (ROA)?
1.31%.
How much are total loans and leases?
$282.56M (latest filing).
What is the total interest income (latest filing)?
$5.33M.