Farmers & Merchants State Bank

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

Farmers & Merchants State Bank is headquartered in Archbold and is the 17th largest bank in the state of Ohio. It is also the 543rd largest bank in the nation. It was established in 1897 and as of September of 2020, it had grown to 374 employees at 30 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 - YTD0.99%
Return on Equity - YTD7.93%
Annual Interest Income$51.7MM
Assets and Liabilities
AssetsQ3 2020vs Q3 2019$1.80B$1.55B
LoansQ3 2020vs Q3 2019$1.36B$1.15B
DepositsQ3 2020vs Q3 2019$1.52B$1.28B
Equity CapitalQ3 2020vs Q3 2019$216.0MM$203.4MM
Loan Loss AllowanceQ3 2020vs Q3 2019$11.9MM$6.8MM
Unbacked Noncurrent LoansQ3 2020vs Q3 2019$7.9MM$3.3MM
Real Estate OwnedQ3 2020vs Q3 2019$206.00K$351.00K
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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 Savings Account Rates

0.55%*$20k*-F&M Perks Savings II
OTHER TIERS: 0.20% Up to $20k

Farmers & Merchants State Bank Checking Account Rates

0.40%*-$15kF&M Perks Checking with Savings II
OTHER TIERS: 0.12% $15k+
0.40%*-$15kF&M Perks Checking
OTHER TIERS: 0.12% $15k+
0.33%*$100k*-Ultimate Checking
OTHER TIERS: 0.05% $10k - $15k | 0.10% $15k - $25k | 0.18% $25k - $50k | 0.28% $50k - $100k

Farmers & Merchants State Bank IRA Rates

0.62%$2.5k-20 Month Perks IRA CD (Ohio & Michigan)
0.62%$2.5k-20 Month Perks IRA CD (Indiana)


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