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 1.82% - National Average
0.50%	Reward Savings	Kasasa Saver 0.81% - National Average
2.08%	5-year CD	60 Month CD 2.35% - Synchrony Bank 60 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 715^th largest bank in the nation. It was established in 1897 and as of March of 2017, it had grown to 272 employees at 24 locations. Farmers & Merchants State Bank has a B+ health rating.

Overall
FDIC Certificate #	5969
Year Established	1897
Employees	272
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.02%
Return on Equity - YTD	10.13%
Annual Interest Income	$9.6MM

Assets and Liabilities
Assets	Q1 2017vs Q1 2016	$1.05B$989.1MM
Loans	Q1 2017vs Q1 2016	$765.4MM$701.4MM
Deposits	Q1 2017vs Q1 2016	$896.7MM$798.7MM
Equity Capital	Q1 2017vs Q1 2016	$105.0MM$102.8MM
Loan Loss Allowance	Q1 2017vs Q1 2016	$6.9MM$6.3MM
Unbacked Noncurrent Loans	Q1 2017vs Q1 2016	$1.4MM$2.0MM
Real Estate Owned	Q1 2017vs Q1 2016	$774.00K$1.1MM

Rates

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Savings
Checking
CD
IRA

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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
2.08%^*^†	$100k^*	-	60 Month CD
OTHER TIERS: 1.99% → $2,500 - $25k \| 2.03% → $25k - $100k
1.36%^*^†	$10k^*	-	32 Month Relationship CD Special
OTHER TIERS: 1.12% → $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
2.08%^*^†	$100k^*	-	60 Month IRA
OTHER TIERS: 1.99% → $2,500 - $25k \| 2.03% → $25k - $100k
1.27%	$2,500	-	20 Month Perks IRA CD
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 24 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 Q1 2017

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