Farmers & Merchants State Bank

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LOCATIONS

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.71%	Reward Checking	Kasasa Cash 1.75% - National Average
1.75%	5-year CD	60 Month CD 1.85% - Synchrony Bank 60 Month CD
0.33%	1-year CD	12 Month CD 1.05% - Ally Bank High Yield 12-Month CD

View all Farmers & Merchants State Bank rates »

Overview / Commentary

www.fm-bank.com

419-446-2501

307-11 Defiance Street
Archbold, OH 43502

Farmers & Merchants State Bank is headquartered in Archbold and is the 21^st largest bank in the state of Ohio. It is also the 730^th largest bank in the nation. It was established in 1897 and as of June of 2016, it had grown to 263 employees at 23 locations. Farmers & Merchants State Bank has an A+ health rating.

Overall
FDIC Certificate #	5969
Year Established	1897
Employees	263
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.05%
Return on Equity - YTD	10.14%
Annual Interest Income	$18.2MM

Assets and Liabilities
Assets	Q2 2016vs Q2 2015	$1.00B$926.3MM
Loans	Q2 2016vs Q2 2015	$725.2MM$614.7MM
Deposits	Q2 2016vs Q2 2015	$803.5MM$762.5MM
Equity Capital	Q2 2016vs Q2 2015	$104.4MM$99.1MM
Loan Loss Allowance	Q2 2016vs Q2 2015	$6.5MM$5.9MM
Unbacked Noncurrent Loans	Q2 2016vs Q2 2015	$1.5MM$3.1MM
Real Estate Owned	Q2 2016vs Q2 2015	$1.3MM$1.1MM

Rates

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Savings
Checking
CD
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

† The rates for some products vary by region. In these cases we have listed the rates for the region closest to the bank's headquarters.

Farmers & Merchants State Bank Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
0.50%^*	-	$20k	Kasasa Saver
OTHER TIERS: 0.12% → $20k+

Farmers & Merchants State Bank Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
1.71%^*^†	-	$15k	Kasasa Cash
OTHER TIERS: 0.12% → $15k+

Farmers & Merchants State Bank CD Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*^†	$100k^*	-	60 Month CD
OTHER TIERS: 1.52% → $2,500 - $25k \| 1.66% → $25k - $100k
1.26%^*	$10k^*	-	32 Month Relationship CD Special
OTHER TIERS: 1.01% → $2k - $10k
0.69%^*^†	$100k^*	-	48 Month CD
OTHER TIERS: 0.61% → $2,500 - $25k \| 0.65% → $25k - $100k
0.51%^*^†	$100k^*	-	36 Month CD
OTHER TIERS: 0.41% → $2,500 - $25k \| 0.46% → $25k - $100k
0.39%^*^†	$100k^*	-	24 Month CD
OTHER TIERS: 0.29% → $2,500 - $25k \| 0.32% → $25k - $100k
0.39%^*^†	$100k^*	-	30 Month CD
OTHER TIERS: 0.31% → $2,500 - $25k \| 0.34% → $25k - $100k
0.36%^*^†	$100k^*	-	18 Month CD
OTHER TIERS: 0.26% → $1k - $25k \| 0.29% → $25k - $100k
0.33%^*^†	$100k^*	-	12 Month CD
OTHER TIERS: 0.21% → $2,500 - $25k \| 0.26% → $25k - $100k
0.33%^*^†	$100k^*	-	15 Month CD
OTHER TIERS: 0.21% → $2,500 - $25k \| 0.26% → $25k - $100k
0.17%^*^†	$100k^*	-	182 Day CD
OTHER TIERS: 0.07% → $2,500 - $25k \| 0.12% → $25k - $100k
0.14%^*^†	$100k^*	-	91 Day CD
OTHER TIERS: 0.04% → $2,500 - $25k \| 0.08% → $25k - $100k

Farmers & Merchants State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME
1.75%^*^†	$100k^*	-	60 Month IRA
OTHER TIERS: 1.52% → $2,500 - $25k \| 1.66% → $25k - $100k
0.69%^*^†	$100k^*	-	48 Month IRA
OTHER TIERS: 0.61% → $2,500 - $25k \| 0.65% → $25k - $100k
0.51%^*^†	$100k^*	-	36 Month IRA
OTHER TIERS: 0.41% → $2,500 - $25k \| 0.46% → $25k - $100k
0.39%^*^†	$100k^*	-	24 Month IRA
OTHER TIERS: 0.29% → $2,500 - $25k \| 0.32% → $25k - $100k
0.39%^*^†	$100k^*	-	30 Month IRA
OTHER TIERS: 0.31% → $2,500 - $25k \| 0.34% → $25k - $100k
0.36%^*^†	$100k^*	-	18 Month IRA
OTHER TIERS: 0.26% → $1k - $25k \| 0.29% → $25k - $100k
0.33%^*^†	$100k^*	-	12 Month IRA
OTHER TIERS: 0.21% → $2,500 - $25k \| 0.26% → $25k - $100k
0.33%^*^†	$100k^*	-	15 Month IRA
OTHER TIERS: 0.21% → $2,500 - $25k \| 0.26% → $25k - $100k
0.17%^*^†	$100k^*	-	182 Day IRA
OTHER TIERS: 0.07% → $2,500 - $25k \| 0.12% → $25k - $100k
0.14%^*^†	$100k^*	-	91 Day IRA
OTHER TIERS: 0.04% → $2,500 - $25k \| 0.08% → $25k - $100k

Locations

Farmers & Merchants State Bank has 23 locations. Click to view all Farmers & Merchants State Bank locations.

Farmers & Merchants State Bank

Popular Accounts at this Bank

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Data as of Q2 2016

Health Grade Components

Farmers & Merchants State Bank Savings Account Rates

Farmers & Merchants State Bank Checking Account Rates

Farmers & Merchants State Bank CD Rates

Farmers & Merchants State Bank IRA Rates