Bank · FDIC insured
Farmers & Merchants Bank
A $359.4M bank headquartered in Miamisburg, OH, with 5 branches in Ohio. Best rates: CDs 3.80% and savings 0.10% APY.
Farmers & Merchants Bank Carrot Score
66
Carrot Score
Higher than 17% of U.S. banks and credit unions
#19 of 28 in Dayton, OH metroHow the score works →
Deposits are federally insured by the FDIC up to $250,000 per depositor.
About Farmers & Merchants Bank
Founded in 1923, Farmers & Merchants Bank is a locally owned and independent bank in Ohio.
- Headquarters
- 41 S 1st St, Miamisburg, OH 45342
- FDIC certificate
- 9462 ↗
Branches
5 branches in Ohio
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Ohio
5 branches
Dayton area · 4
- Farmers & Merchants BankMain office41 S 1st St, Miamisburg, OH 45342Directions
- Germantown Branch2367 Beechwood Dr, Germantown, OH 45327Directions
- New Lebanon Branch47 W Main St, New Lebanon, OH 45345Directions
- West Carrollton Branch3235 Alexandersvil Bellbrk Rd, West Carrollton, OH 45449Directions
Cincinnati area · 1
- Springboro Branch720 Gardner Rd, Springboro, OH 45066Directions
Walk-in offices from the FDIC directory as of September 4, 2026. Directions open Google Maps. A nearby branch doesn’t mean you can join or open an account.
Financial details
| Measure | This bank | Peers’ middle | Strongest quarter |
|---|---|---|---|
| CapitalLeverage ratio | 12.16% | 10.98% | 13.00% or more |
| Troubled loansNoncurrent | 1.04% | 0.42% | 0.09% or less |
| ProfitabilityReturn on assets | 1.85% | 1.24% | 1.68% or more |
| LendingLoans per $100 deposited | $94 | $81 | — |
- CapitalLeverage ratio12.16%Peers’ middle 10.98% · Top 25% 13.00%+
- Troubled loansNoncurrent1.04%Peers’ middle 0.42% · Top 25% ≤0.09%
- ProfitabilityReturn on assets1.85%Peers’ middle 1.24% · Top 25% 1.68%+
- LendingLoans per $100 deposited$94Peers’ middle $81
Compared with the 2,650 banks with $100 million to $1 billion in assets. The strongest quarter is what the best 25% of them reach: more capital and profit, fewer troubled loans. Lending has no better end.Troubled loans are noncurrent: 90 or more days late, or no longer earning interest.
Regulators’ own ratings of Farmers & Merchants Bank are confidential. These figures are what it reports to the FDIC each quarter, set beside its peers; they aren’t a rating.