Farmers & Merchants State Bank

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

Farmers & Merchants State Bank is headquartered in Archbold and is the 18th largest bank in the state of Ohio. It is also the 554th largest bank in the nation. It was established in 1897 and as of June of 2019, it had grown to 347 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 - YTD1.34%
Return on Equity - YTD10.47%
Annual Interest Income$33.9MM
Assets and Liabilities
AssetsQ2 2019vs Q2 2018$1.51B$1.08B
LoansQ2 2019vs Q2 2018$1.09B$825.1MM
DepositsQ2 2019vs Q2 2018$1.24B$931.4MM
Equity CapitalQ2 2019vs Q2 2018$200.3MM$112.2MM
Loan Loss AllowanceQ2 2019vs Q2 2018$6.7MM$6.8MM
Unbacked Noncurrent LoansQ2 2019vs Q2 2018$1.3MM$903.00K
Real Estate OwnedQ2 2019vs Q2 2018$329.00K$649.00K
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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

2.30%*$20k*-Kasasa Saver II
OTHER TIERS: 0.40% Up to $20k

Farmers & Merchants State Bank Checking Account Rates

1.87%*$100k*-Ultimate Checking
OTHER TIERS: 0.65% $10k - $15k | 0.85% $15k - $25k | 1.11% $25k - $50k | 1.36% $50k - $100k
1.81%-$15kKasasa Cash
1.81%*-$15kKasasa Cash with Saver II Checking
OTHER TIERS: 0.12% $15k+

Farmers & Merchants State Bank CD Rates

1.91%$2.5k-10 Month Welcome CD - New F&M Checking relationship required (OH & MI)
1.91%$2.5k-10 Month F&M Checking relationship required (IN)
1.71%$2.5k-10 Month Welcome CD - New F&M Checking relationship required (IN)
1.71%$2.5k-34 Month CD Special (IN)
1.51%$2.5k-10 Month F&M Checking relationship required (OH & MI)
1.51%$2.5k-34 Month CD Special (OH & MI)

Farmers & Merchants State Bank IRA Rates

1.76%$2.5k-20 Month Perks IRA CD (Ohio & Michigan)
1.76%$2.5k-20 Month Perks IRA CD (Indiana)


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