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Farmers And Merchants Bank
Laotto, IN · FDIC Certificate #13801 · Chartered 10/2
Total assets
$306.07M
Total deposits
$279.49M
Total equity
$24.57M
Net loans
$203.80M
Branches (offices)
4
Net income (YTD)
$2.32M
Rank: #2,435 of 4,213 U.S. banks by assets · #61 of 87 in Indiana. Assets changed 3.4% and deposits 2.2% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.51% |
| Return on equity | 19.37% |
| Net interest margin (YTD) | 3.34% |
| Equity to assets | 8.03% |
| Tier 1 leverage ratio | 9.05% |
| Uninsured deposits (share of deposits) | 46.7% |
| Noncurrent loans (share of loans) | 0.00% |
| Net charge-offs (share of loans) | 0.01% |
| Loans to deposits | 72.9% |
| Real estate loans (share of loans) | 86.4% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $175.98M | 86.4% | |
| Commercial & industrial | $16.27M | 8.0% | |
| Consumer / individual | $4.14M | 2.0% | |
| Construction & development | $4.69M | 2.3% | |
| Agricultural | $8.55M | 4.2% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $228.32M | $214.27M | $1.12M | $12.61M |
| Jun 2023 | $232.25M | $217.36M | $1.04M | $13.38M |
| Jun 2024 | $255.30M | $237.03M | $1.19M | $16.72M |
| Jun 2025 | $295.94M | $273.57M | $1.56M | $20.64M |
| Jun 2026 | $306.07M | $279.49M | $2.32M | $24.57M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Indiana | $279.49M | 4 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $279.49M.
Similar-sized banks
American Community Bank ($306.52M) · Craft Bank ($305.94M)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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