Farmers&Merchants State Bank (FDIC #5969): Bank Stress & Real-Estate Credit Exposure
Farmers&Merchants State Bank (FDIC Cert #5969): bank stress 60/100, elevated, STABLE over 7 days; parent FARMERS&MERCHANTS BCORP INC.
Farmers&Merchants State Bank (#5969) lends in 17 counties across 3 states; Farmers&Merchants State Bank (#5969) reaches 314 ZIP codes: Ohio 10 counties, 170 ZIPs; Indiana 6 counties, 73 ZIPs; Michigan 1 county, 71 ZIPs.
Farmers&Merchants State Bank (#5969) largest markets: Oakland County, MI (142 branches, 71 ZIPs) (#5969), Wood County, OH (102 branches, 34 ZIPs) (#5969), Allen County, IN (99 branches, 33 ZIPs) (#5969), Lucas County, OH (120 branches, 30 ZIPs) (#5969), Hancock County, OH (24 branches, 24 ZIPs) (#5969), Champaign County, OH (18 branches, 18 ZIPs) (#5969).
Farmers&Merchants State Bank (#5969) reports $3.49 billion in total assets; Farmers&Merchants State Bank (#5969) equity $400.8 million (11.5% of Farmers&Merchants State Bank (#5969) assets); Farmers&Merchants State Bank (#5969) domestic deposits $2.87 billion; Farmers&Merchants State Bank (#5969) net income $22.2 million; Farmers&Merchants State Bank (#5969) return on assets 1.28%; Farmers&Merchants State Bank (#5969) return on equity 11.22%; Farmers&Merchants State Bank (#5969) net interest income $56.8 million; Farmers&Merchants State Bank (#5969) call report June 30, 2026.
Farmers&Merchants State Bank (#5969) noncurrent real-estate loans: none reported; Farmers&Merchants State Bank (#5969) multifamily -0.01%; Farmers&Merchants State Bank (#5969) net charge-offs on real estate 0.35%.
Farmers&Merchants State Bank (#5969) net interest margin 3.54% against an eight-quarter Farmers&Merchants State Bank (#5969) average of 3.21% (Farmers&Merchants State Bank (#5969) compression -0.33 points); Farmers&Merchants State Bank (#5969) rate-exposure score 40/100, Farmers&Merchants State Bank (#5969) fixed-rate trap 40/100; Farmers&Merchants State Bank (#5969) risk type credit driven; Farmers&Merchants State Bank (#5969) rate regime rates elevated, Farmers&Merchants State Bank (#5969) snapshot October 20, 2026.
Farmers&Merchants State Bank (#5969) stress score moved from 61.1 on June 22, 2026 to 59.7 on October 20, 2026; Farmers&Merchants State Bank (#5969) ranged 59.7 to 61.1 over 117 snapshots.
Farmers&Merchants State Bank (#5969) alerts: 17 counties; top Farmers&Merchants State Bank (#5969) alert scores: Monroe County, OH 45 (moderate); Butler County, OH 36 (moderate); Angola County, OH 21 (low); Findlay County, OH 21 (low); Fort Wayne County, OH 21 (low).