Farmers & Merchants Bancorp Inc - Asset Resilience Ratio

Latest as of December 2025: 12.29%

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. Check FMAO PP&E to net assets ratio to assess the company's strategic physical and investment asset allocation.

Liquid Assets

$422.07 Million

Cash + Short-term Investments

Total Assets

$3.43 Billion

All company assets

Resilience Assessment

Moderate

Financial Resilience Level

Asset Resilience Ratio Trend (2008–2024)

This chart shows how Farmers & Merchants Bancorp Inc's Asset Resilience Ratio has changed over time. See FMAO equity financing ratio to measure how much of total assets are equity-financed.

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
BNP Paribas SA PA:BNP	Banks - Regional	17.67%
CIMB Group Holdings Bhd KLSE:1023	Banks - Regional	1.96%
Hua Xia Bank Co Ltd SHG:600015	Banks - Regional	4.86%
Grupo Security SN:SECURITY	Banks - Regional	0.15%
Bank Mestika Dharma Tbk JK:BBMD	Banks - Regional	-6.51%
Bank Multiarta Sentosa PT JK:MASB	Banks - Regional	1.29%
Bank Ochrony Środowiska SA WAR:BOS	Banks - Regional	8.84%
Bank Capital Indonesia Tbk JK:BACA	Banks - Regional	-22.83%

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	--

pp = percentage points

About Farmers & Merchants Bancorp Inc

NASDAQ:FMAO USA Banks - Regional

Market Cap

$392.56 Million

Market Cap Rank

#13651 Global

#3238 in USA

Share Price

$28.55

Change (1 day)

-1.11%

52-Week Range

$23.01 - $29.57

All Time High

$40.30