Farmers & Merchants Bancorp Inc - Asset Resilience Ratio
Farmers & Merchants Bancorp Inc (FMAO) has an Asset Resilience Ratio of 12.29% as of December 2025. The Asset Resilience Ratio measures the percentage of a company's total assets that are held in liquid form (cash and short-term investments). This metric indicates how well-positioned the company is to handle unexpected financial challenges, economic downturns, or strategic opportunities without requiring external financing. Read how much debt does Farmers & Merchants Bancorp Inc carry for a breakdown of total debt and financial obligations.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio Trend (2008–2024)
This chart shows how Farmers & Merchants Bancorp Inc's Asset Resilience Ratio has changed over time. See shareholders equity of Farmers & Merchants Bancorp Inc for net asset value and shareholders' equity analysis.
Liquid Assets Composition Over Time
This chart breaks down Farmers & Merchants Bancorp Inc's liquid assets into cash & equivalents and short-term investments, showing how the composition has evolved over time. For market capitalisation and broader financial context, see Farmers & Merchants Bancorp Inc market cap and net worth.
Current Liquid Assets Breakdown
| Component | Amount | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 0% |
| Short-term Investments | $422.07 Million | 12.29% |
| Total Liquid Assets | $422.07 Million | 12.29% |
Asset Resilience Insights
- Moderate Liquidity: Farmers & Merchants Bancorp Inc has 12.29% of assets in liquid form.
- While adequate for normal operations, this level may limit flexibility during economic stress.
- The company has significant short-term investments, indicating active treasury management.
Farmers & Merchants Bancorp Inc Industry Peers by Asset Resilience Ratio
Compare Farmers & Merchants Bancorp Inc's asset resilience ratio with other companies in the same industry.
| Company | Industry | Asset Resilience Ratio |
|---|---|---|
|
Hong Leong Bank Bhd
KLSE:5819 |
Banks - Regional | -6.27% |
|
First Merchants Corporation
NASDAQ:FRME |
Banks - Regional | 7.40% |
|
TF Bank AB
ST:TFBANK |
Banks - Regional | -0.15% |
|
Banco do Estado do Rio Grande do Sul S.A
SA:BRSR3 |
Banks - Regional | 0.00% |
|
Caisse Regionale de Credit Agricole Mutuel d’IlleetVilaine SC
PA:CIV |
Banks - Regional | -6.94% |
|
Blue Foundry Bancorp
NASDAQ:BLFY |
Banks - Regional | 12.71% |
|
Banco Alfa de Investimento S.A
SA:BRIV3 |
Banks - Regional | 0.53% |
|
Caisse Regionale de Credit Agricole Mutuel Loire HauteLoire
PA:CRLO |
Banks - Regional | 2021.38% |
Annual Asset Resilience Ratio for Farmers & Merchants Bancorp Inc (2008–2024)
The table below shows the annual Asset Resilience Ratio data for Farmers & Merchants Bancorp Inc.
| Year | Asset Resilience Ratio (%) | Liquid Assets | Total Assets | Change |
|---|---|---|---|---|
| 2024-12-31 | 12.68% | $426.56 Million | $3.36 Billion | +1.76pp |
| 2023-12-31 | 10.92% | $358.48 Million | $3.28 Billion | -2.04pp |
| 2022-12-31 | 12.96% | $390.79 Million | $3.02 Billion | -3.34pp |
| 2021-12-31 | 16.30% | $429.93 Million | $2.64 Billion | +0.18pp |
| 2020-12-31 | 16.12% | $307.81 Million | $1.91 Billion | +2.29pp |
| 2019-12-31 | 13.83% | $222.29 Million | $1.61 Billion | -1.26pp |
| 2018-12-31 | 15.09% | $168.45 Million | $1.12 Billion | -2.65pp |
| 2017-12-31 | 17.74% | $196.40 Million | $1.11 Billion | -2.95pp |
| 2016-12-31 | 20.70% | $218.53 Million | $1.06 Billion | -3.08pp |
| 2015-12-31 | 23.77% | $235.12 Million | $989.07 Million | -2.63pp |
| 2014-12-31 | 26.40% | $248.49 Million | $941.21 Million | -7.19pp |
| 2013-12-31 | 33.60% | $324.51 Million | $965.94 Million | -4.00pp |
| 2012-12-31 | 37.60% | $355.90 Million | $946.66 Million | +2.11pp |
| 2011-12-31 | 35.48% | $327.52 Million | $922.99 Million | +3.78pp |
| 2010-12-31 | 31.70% | $287.32 Million | $906.36 Million | +7.42pp |
| 2009-12-31 | 24.28% | $207.28 Million | $853.86 Million | +2.23pp |
| 2008-12-31 | 22.05% | $177.66 Million | $805.73 Million | -- |
About Farmers & Merchants Bancorp Inc
Farmers & Merchants Bancorp, Inc. operates as the bank holding company for The Farmers & Merchants State Bank that provides commercial banking services to individuals and small businesses in Northwest Ohio, Northeast Indiana, and Southeast Michigan. The company offers checking, savings, and time deposit accounts; certificates of deposit; and custodial services for individual retirement and health… Read more