Farmers & Merchants Bancorp Inc Asset Resilience Ratio
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. See Farmers & Merchants Bancorp Inc liquidity coverage in days to measure how many days the company can operate on defensive assets alone.
Liquid Assets
Total Assets
Resilience Assessment
Asset Resilience Ratio of Farmers & Merchants Bancorp Inc (2008–2024)
Asset resilience ratio of Farmers & Merchants Bancorp Inc from 2008 to 2024. This chart shows how Farmers & Merchants Bancorp Inc's Asset Resilience Ratio has changed over time. Read total liabilities of Farmers & Merchants Bancorp Inc for a breakdown of total debt and financial obligations.
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 the complete balance sheet picture, see Farmers & Merchants Bancorp Inc balance sheet assets.
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 |
|---|---|---|
|
Commerzbank AG
XETRA:CBK |
Banks - Regional | 5.22% |
|
CIMB Group Holdings Bhd
KLSE:1023 |
Banks - Regional | 1.96% |
|
BNK Banking Corporation Ltd
AU:BBC |
Banks - Regional | 8.96% |
|
Banco Bradesco DRC
BA:BBD |
Banks - Regional | 4.82% |
|
Grupo Financiero Galicia S.A.
BA:GGAL |
Banks - Regional | 8.18% |
|
Banco Macro SA B
BA:BMA |
Banks - Regional | 0.55% |
|
BBVA Banco Frances SA
BA:BBAR |
Banks - Regional | 7.45% |
|
Banco Patagonia
BA:BPAT |
Banks - Regional | 0.44% |
Farmers & Merchants Bancorp Inc Asset Resilience Ratio by Year (2008–2024)
Farmers & Merchants Bancorp Inc asset resilience ratio by year from 2008 to 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