Farmers & Merchants State Bank

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Overview / Commentary

www.fm.bank

419-446-2501

307 N. 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 712^th largest bank in the nation. It was established in 1897 and as of June of 2018, it had grown to 276 employees at 25 locations. Farmers & Merchants State Bank has an A+ health rating.

Overall
FDIC Certificate #	5969
Year Established	1897
Employees	276
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.37%
Return on Equity - YTD	13.45%
Annual Interest Income	$22.5MM

Assets and Liabilities
Assets	Q2 2018vs Q2 2017	$1.08B$1.04B
Loans	Q2 2018vs Q2 2017	$825.1MM$785.6MM
Deposits	Q2 2018vs Q2 2017	$931.4MM$878.0MM
Equity Capital	Q2 2018vs Q2 2017	$112.2MM$108.0MM
Loan Loss Allowance	Q2 2018vs Q2 2017	$6.8MM$6.9MM
Unbacked Noncurrent Loans	Q2 2018vs Q2 2017	$903.00K$1.4MM
Real Estate Owned	Q2 2018vs Q2 2017	$649.00K$630.00K

Rates

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Checking
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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
1.00%^*^†	$20k^*	-	Kasasa Saver
OTHER TIERS: 0.50% → Up to $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
2.22%	$2.5k	-	22 Month Welcome CD Special w/ New F&M Checking (OH & MI)
2.22%	$2.5k	-	22 Month Welcome CD Special w/ New F&M Checking (IN)
2.02%	$2.5k	-	22 Month CD Special w/ F&M Checking (OH & MI)
2.02%	$2.5k	-	22 Month CD Special w/ F&M Checking (IN)

Farmers & Merchants State Bank IRA Rates

APY	MIN	MAX	ACCOUNT NAME	VIEW DETAILS
2.02%	$2.5k	-	20 Month Perks IRA CD (Ohio & Michigan)
2.02%	$2.5k	-	20 Month Perks IRA CD (Indiana)

Locations

Availability

Toledo Area

Toledo Area bank & credit union details

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