Farmers&Merchants Bank (FDIC #13801): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants Bank (FDIC Cert #13801): bank stress 67/100, elevated, STABLE over 7 days; parent FM FINCORP.
Farmers&Merchants Bank (#13801) lends in 4 counties across 1 state; Farmers&Merchants Bank (#13801) reaches 60 ZIP codes: Indiana 4 counties, 60 ZIPs.
Farmers&Merchants Bank (#13801) largest markets: Allen County, IN (33 branches, 33 ZIPs) (#13801), Noble County, IN (18 branches, 18 ZIPs) (#13801), Dekalb County, IN (14 branches, 14 ZIPs) (#13801), Whitley County, IN (10 branches, 10 ZIPs) (#13801).
Farmers&Merchants Bank (#13801) reports $306.1 million in total assets; Farmers&Merchants Bank (#13801) equity $24.6 million (8.0% of Farmers&Merchants Bank (#13801) assets); Farmers&Merchants Bank (#13801) domestic deposits $279.5 million; Farmers&Merchants Bank (#13801) net income $2.3 million; Farmers&Merchants Bank (#13801) return on assets 1.51%; Farmers&Merchants Bank (#13801) return on equity 19.37%; Farmers&Merchants Bank (#13801) net interest income $4.9 million; Farmers&Merchants Bank (#13801) call report June 30, 2026.
Farmers&Merchants Bank (#13801) noncurrent real-estate loans: none reported; Farmers&Merchants Bank (#13801) net charge-offs on real estate 0.00%.
Farmers&Merchants Bank (#13801) net interest margin 3.34% against an eight-quarter Farmers&Merchants Bank (#13801) average of 2.96% (Farmers&Merchants Bank (#13801) compression -0.38 points); Farmers&Merchants Bank (#13801) rate-exposure score 40/100, Farmers&Merchants Bank (#13801) fixed-rate trap 40/100; Farmers&Merchants Bank (#13801) risk type credit driven; Farmers&Merchants Bank (#13801) rate regime rates elevated, Farmers&Merchants Bank (#13801) snapshot October 20, 2026.
Farmers&Merchants Bank (#13801) stress score moved from 68.3 on June 22, 2026 to 67.4 on October 20, 2026; Farmers&Merchants Bank (#13801) ranged 67.4 to 68.3 over 117 snapshots.
Farmers&Merchants Bank (#13801) alerts: 4 counties; top Farmers&Merchants Bank (#13801) alert scores: Churubusco County, IN 24 (low); Huntertown County, IN 24 (low); Kendallville County, IN 24 (low); Laotto County, IN 24 (low).