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

Farmers & Merchants State Bank is headquartered in Archbold and is the 21st largest bank in the state of Ohio. It is also the 712th 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.

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Health Grade Components

FDIC Certificate #5969
Year Established1897
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.37%
Return on Equity - YTD13.45%
Annual Interest Income$22.5MM
Assets and Liabilities
AssetsQ2 2018vs Q2 2017$1.08B$1.04B
LoansQ2 2018vs Q2 2017$825.1MM$785.6MM
DepositsQ2 2018vs Q2 2017$931.4MM$878.0MM
Equity CapitalQ2 2018vs Q2 2017$112.2MM$108.0MM
Loan Loss AllowanceQ2 2018vs Q2 2017$6.8MM$6.9MM
Unbacked Noncurrent LoansQ2 2018vs Q2 2017$903.00K$1.4MM
Real Estate OwnedQ2 2018vs Q2 2017$649.00K$630.00K
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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

1.00%*$20k*-Kasasa Saver
OTHER TIERS: 0.50% Up to $20k

Farmers & Merchants State Bank Checking Account Rates

1.81%*-$15kKasasa Cash
OTHER TIERS: 0.12% $15k+

Farmers & Merchants State Bank CD Rates

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

2.02%$2.5k-20 Month Perks IRA CD (Ohio & Michigan)
2.02%$2.5k-20 Month Perks IRA CD (Indiana)


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