The Farmers and Merchants Bank
Caldwell, OH
IDRSSD: 760210
Total Assets
$133.59M
Latest filing
Total Deposits
$114.21M
Latest filing
Net Interest Margin
4.67%
Profitability
Key People
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Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers and Merchants Bank
430 North St
Caldwell, OH 43724
Full Service - Brick and Mortar
Updated 01/30/2026Established 01/20/1912FDIC Certificate 6590
Branches (0)
Page 1 of 1| Name | Address | City / State | ||
|---|---|---|---|---|
| No branch data available. | ||||
| The Farmers and Merchants Bank (Main) | 430 North St | Caldwell, OH | ||
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 | 01/20/1912 |
| Community Bank | Yes |
| Ownership Type | Not Mutual |
| ZIP | 43724 |
| State and County Number | 39121 |
| 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 | N/A |
Operational Info
| Number of Employees | 27 |
| Domestic Offices | 1 |
| 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.thefarmersmerchants.bank |
| Data Updated | 01/30/2026 |
| CERT | 10280 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $133.59M |
| Total Deposits | $114.21M |
| Total Liabilities | $114.41M |
| Total Equity Capital | $19.18M |
| Net Income | $435.00k |
| Net Loans and Leases | $79.34M |
| Assets Per Employee ($Millions) | $4.77M |
| Bank Premises and Fixed Assets | $860.00k |
| Cash and Balances due from Depository Institutions | $9.30M |
| Deposits Held in Domestic Offices | $114.21M |
Key Performance Ratios
| Return on Assets (ROA) | 1.32% |
| Return on Equity (ROE) | 9.09% |
| Net Interest Margin | 4.67% |
| Efficiency Ratio | 61.99% |
| Tier 1 Risk-Based Capital Ratio | 0% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.11% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 14.359% |
| Earning Assets to total Assets | 93.82% |
Income and Expense
| Total Interest Income | $1.72M |
| Total Noninterest Income | $66.00k |
| Total Interest Expense | $280.00k |
| Total Noninterest Expense | $933.00k |
| Net Interest Income | $1.44M |
| Pre-tax Net Operating Income | $537.00k |
| Provision for Credit Losses | $35.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | — |
| Other Real Estate Owned | $56.00k |
| Other borrowed funds | $0 |
| Federal Funds Sold & Reverse Repurchase Agreement | $711.00k |
| Federal Funds Purchased and Repurchased Agreement | $0 |
| All Other Liabilities | $200.00k |
| Total Liabilities and Capital | $133.59M |
Securities
| Securities | $37.49M |
| Available-for-sale debt securities | $37.49M |
| 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 The Farmers and Merchants Bank?
$133.59M as of the latest filing.
How much are The Farmers and Merchants Bank's total deposits?
$114.21M in total deposits.
Where is The Farmers and Merchants Bank located?
Caldwell, OH.
What is the Net Interest Margin?
4.67%.
How many domestic offices does it operate?
1.
When was it established?
01/20/1912.
What is the Return on Assets (ROA)?
1.32%.
How much are total loans and leases?
$79.34M (latest filing).
What is the total interest income (latest filing)?
$1.72M.