Farmers & Merchants State Bank

Overview / Commentary
307 N. Defiance Street
Archbold, OH 43502

Farmers & Merchants State Bank is headquartered in Archbold and is the 15th largest bank in the state of Ohio. It is also the 438th largest bank in the nation. It was established in 1897 and as of December of 2021, it had grown to 385 employees at 33 locations. Farmers & Merchants State Bank has an A+ health rating.


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Health Grade Components

FDIC Certificate #5969
Year Established1897
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.08%
Return on Equity - YTD9.49%
Annual Interest Income$76.5MM
Assets and Liabilities
AssetsQ4 2021vs Q4 2020$2.61B$1.88B
LoansQ4 2021vs Q4 2020$1.85B$1.30B
DepositsQ4 2021vs Q4 2020$2.20B$1.60B
Equity CapitalQ4 2021vs Q4 2020$338.4MM$220.4MM
Loan Loss AllowanceQ4 2021vs Q4 2020$16.2MM$13.7MM
Unbacked Noncurrent LoansQ4 2021vs Q4 2020$8.1MM$9.4MM
Real Estate OwnedQ4 2021vs Q4 2020$159.00K$71.00K
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* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants State Bank Checking Account Rates

0.35%*-$25kLoyalty Rewards Checking w/ eStatement & 3 Qualifier
OTHER TIERS: 0.01% $25k+
0.20%*-$25kLoyalty Rewards Checking w/ eStatement & 2 Qualifier
OTHER TIERS: 0.01% $25k+
0.05%*-$25kLoyalty Rewards Checking w/ eStatement & 1 Qualifier
OTHER TIERS: 0.01% $25k+

Farmers & Merchants State Bank IRA Rates

0.24%$2.5k-20 Month Perks IRA CD (Ohio & Michigan)
0.24%$2.5k-20 Month Perks IRA CD (Indiana)


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