Farmers & Merchants State Bank

Popular Accounts at this Bank

APY	ACCOUNT TYPE	ACCOUNT NAME
1.71%	Reward Checking	Kasasa Cash 1.98% - National Average
1.00%	Reward Savings	Kasasa Saver 0.91% - National Average
2.08%	5-year CD	60 Month CD 3.00% - Goldman Sachs Bank USA High-yield 5 Year CD

View all Farmers & Merchants State Bank rates »

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 698^th largest bank in the nation. It was established in 1897 and as of March of 2018, it had grown to 274 employees at 25 locations. Farmers & Merchants State Bank has an A health rating.

Overall
FDIC Certificate #	5969
Year Established	1897
Employees	274
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.29%
Return on Equity - YTD	12.85%
Annual Interest Income	$11.0MM

Assets and Liabilities
Assets	Q1 2018vs Q1 2017	$1.10B$1.05B
Loans	Q1 2018vs Q1 2017	$830.7MM$765.4MM
Deposits	Q1 2018vs Q1 2017	$954.1MM$896.7MM
Equity Capital	Q1 2018vs Q1 2017	$110.2MM$105.0MM
Loan Loss Allowance	Q1 2018vs Q1 2017	$6.8MM$6.9MM
Unbacked Noncurrent Loans	Q1 2018vs Q1 2017	$900.00K$1.4MM
Real Estate Owned	Q1 2018vs Q1 2017	$651.00K$774.00K

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
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
2.08%^*^†	$100k^*	-	60 Month CD
OTHER TIERS: 1.99% → $2,500 - $25k \| 2.03% → $25k - $100k
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%	$2.5k	-	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

Availability

Toledo Area

Toledo Area bank & credit union details

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