Farmers & Merchants State Bank

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

Farmers & Merchants State Bank is headquartered in Archbold and is the 15th largest bank in the state of Ohio. It is also the 431st largest bank in the nation. It was established in 1897 and as of March of 2022, it had grown to 382 employees at 33 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 - YTD1.28%
Return on Equity - YTD10.73%
Annual Interest Income$21.8MM
Assets and Liabilities
AssetsQ1 2022vs Q1 2021$2.66B$1.97B
LoansQ1 2022vs Q1 2021$1.95B$1.33B
DepositsQ1 2022vs Q1 2021$2.26B$1.71B
Equity CapitalQ1 2022vs Q1 2021$290.5MM$202.6MM
Loan Loss AllowanceQ1 2022vs Q1 2021$16.8MM$14.4MM
Unbacked Noncurrent LoansQ1 2022vs Q1 2021$8.6MM$8.1MM
Real Estate OwnedQ1 2022vs Q1 2021$0$148.00K
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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 Checking Account Rates

0.35%*-$25kLoyalty Rewards Checking w/ eStatement & 3 Qualifier
OTHER TIERS: 0.01% $25k+
0.20%*-$25kLoyalty Rewards Checking w/ eStatement & 2 Qualifier
OTHER TIERS: 0.01% $25k+
0.05%*-$25kLoyalty Rewards Checking w/ eStatement & 1 Qualifier
OTHER TIERS: 0.01% $25k+

Farmers & Merchants State Bank IRA Rates

0.24%$2.5k-20 Month Perks IRA CD (Ohio & Michigan)
0.24%$2.5k-20 Month Perks IRA CD (Indiana)


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