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Farmers & Merchants State Bank

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

Farmers & Merchants State Bank is headquartered in Archbold and is the 19th largest bank in the state of Ohio. It is also the 571st largest bank in the nation. It was established in 1897 and as of March of 2019, it had grown to 337 employees at 31 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 - YTD0.96%
Return on Equity - YTD7.7%
Annual Interest Income$15.8MM
Assets and Liabilities
AssetsQ1 2019vs Q1 2018$1.45B$1.10B
LoansQ1 2019vs Q1 2018$1.09B$830.7MM
DepositsQ1 2019vs Q1 2018$1.19B$954.1MM
Equity CapitalQ1 2019vs Q1 2018$198.7MM$110.2MM
Loan Loss AllowanceQ1 2019vs Q1 2018$6.6MM$6.8MM
Unbacked Noncurrent LoansQ1 2019vs Q1 2018$1.2MM$900.00K
Real Estate OwnedQ1 2019vs Q1 2018$510.00K$651.00K
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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

3.00%*$20k*-Kasasa Saver II
OTHER TIERS: 0.50% Up to $20k

Farmers & Merchants State Bank Checking Account Rates

2.02%*$100k*-Ultimate Checking
OTHER TIERS: 0.75% $10k - $15k | 1.00% $15k - $25k | 1.26% $25k - $50k | 1.51% $50k - $100k
1.92%-$15kKasasa Cash
1.92%*-$15kKasasa Cash with Saver II Checking
OTHER TIERS: 0.12% $15k+

Farmers & Merchants State Bank CD Rates

2.55%$2.5k-34 Month CD Special (IN)
2.42%$2.5k-10 Month Welcome CD - New F&M Checking relationship required (IN)
2.42%$2.5k-10 Month F&M Checking relationship required (IN)
2.30%$2.5k-34 Month CD Special (OH & MI)
2.22%$2.5k-10 Month F&M Checking relationship required (OH & MI)
2.02%$2.5k-10 Month Welcome CD - New F&M Checking relationship required (OH & MI)

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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