The Farmers and Merchants Bank (10280)

Overview / Commentary

740-732-5621

430 North Street
Caldwell, OH 43724

The Farmers and Merchants Bank (10280) is headquartered in Caldwell and is the 124^th largest bank in the state of Ohio. It is also the 3,844^th largest bank in the nation. It was established in 1912 and as of December of 2019, it had grown to 31 employees at 1 location. The Farmers and Merchants Bank (10280) has a B+ health rating.

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Health

B+

Data as of Q4 2019

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Health Grade Components

Overall
FDIC Certificate #	10280
Year Established	1912
Employees	31
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.16%
Return on Equity - YTD	8.13%
Annual Interest Income	$5.5MM

Assets and Liabilities
Assets	Q4 2019vs Q4 2018	$111.9MM$111.1MM
Loans	Q4 2019vs Q4 2018	$76.0MM$80.5MM
Deposits	Q4 2019vs Q4 2018	$95.5MM$95.7MM
Equity Capital	Q4 2019vs Q4 2018	$16.1MM$15.2MM
Loan Loss Allowance	Q4 2019vs Q4 2018	$951.00K$766.00K
Unbacked Noncurrent Loans	Q4 2019vs Q4 2018	$2.4MM$3.4MM
Real Estate Owned	Q4 2019vs Q4 2018	$317.00K$170.00K

Rates

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Savings
Money Market
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 Farmers and Merchants Bank (10280) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.15%	-	-	Christmas Club
0.15%	-	-	Vacation Club
0.15%	-	-	Business Christmas Club
0.15%	-	-	Business Vacation Club
0.05%	-	-	Savings
0.05%	-	-	Business Savings

The Farmers and Merchants Bank (10280) Money Market Rates

APY	MIN	MAX	ACCOUNT NAME
0.09%^*	$500k^*	-	Premium Money Market HI-FI
OTHER TIERS: 0.05% → $1k - $125k \| 0.06% → $125k - $250k \| 0.08% → $250k - $500k
0.09%^*	$500k^*	-	Business Premium Money Market HI-FI
OTHER TIERS: 0.05% → $1k - $125k \| 0.06% → $125k - $250k \| 0.08% → $250k - $500k
0.05%^*	$10k^*	-	Money Market Hi-Fi
OTHER TIERS: 0.03% → Up to $10k
0.05%^*	$10k^*	-	Business Money Market Hi-Fi
OTHER TIERS: 0.03% → Up to $10k

The Farmers and Merchants Bank (10280) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
0.05%^*	$500k^*	-	Premium Super Now Account
OTHER TIERS: 0.02% → $1k - $250k \| 0.03% → $250k - $500k
0.05%^*	$500k^*	-	Business Premium Super Now Account
OTHER TIERS: 0.02% → $1k - $250k \| 0.03% → $250k - $500k
0.02%	$1k	-	Super Now Account
0.02%	$1k	-	Now Account
0.02%	$1k	-	Business Now Account
0.02%	$1k	-	Business Super Now Account

The Farmers and Merchants Bank (10280) CD Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	60 Month CD
OTHER TIERS: 0.65% → $500 - $10k
0.70%^*	$10k^*	-	Business 60 Month CD
OTHER TIERS: 0.65% → $500 - $10k
0.65%	$10k	-	48 Month CD Special
0.50%	$10k	-	24 Month CD Special
0.47%^*	$10k^*	-	48 Month CD
OTHER TIERS: 0.42% → $500 - $10k
0.47%^*	$10k^*	-	Business 48 Month CD
OTHER TIERS: 0.42% → $500 - $10k
0.37%^*	$10k^*	-	36 Month CD
OTHER TIERS: 0.32% → $500 - $10k
0.37%^*	$10k^*	-	Business 36 Month CD
OTHER TIERS: 0.32% → $500 - $10k
0.32%^*	$10k^*	-	42 Month CD
OTHER TIERS: 0.27% → $500 - $10k
0.32%^*	$10k^*	-	Business 42 Month CD
OTHER TIERS: 0.27% → $500 - $10k
0.30%	$10k	-	12 Month CD Special
0.23%^*	$10k^*	-	30 Month CD
OTHER TIERS: 0.18% → $500 - $10k
0.23%^*	$10k^*	-	Business 30 Month CD
OTHER TIERS: 0.18% → $500 - $10k
0.18%^*	$10k^*	-	24 Month CD
OTHER TIERS: 0.13% → $500 - $10k
0.18%^*	$10k^*	-	Business 24 Month CD
OTHER TIERS: 0.13% → $500 - $10k
0.09%^*	$10k^*	-	18 Month CD
OTHER TIERS: 0.07% → $500 - $10k
0.09%^*	$10k^*	-	Business 18 Month CD
OTHER TIERS: 0.07% → $500 - $10k
0.07%^*	$10k^*	-	12 Month CD
OTHER TIERS: 0.05% → $500 - $10k
0.07%^*	$10k^*	-	Business 12 Month CD
OTHER TIERS: 0.05% → $500 - $10k
0.04%^*	$10k^*	-	6 Month CD
OTHER TIERS: 0.03% → $500 - $10k
0.04%^*	$10k^*	-	Business 6 Month CD
OTHER TIERS: 0.03% → $500 - $10k
0.03%^*	$10k^*	-	91 Day CD
OTHER TIERS: 0.02% → $500 - $10k
0.03%^*	$10k^*	-	Business 91 Day CD
OTHER TIERS: 0.02% → $500 - $10k

The Farmers and Merchants Bank (10280) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
0.70%^*	$10k^*	-	60 Month IRA
OTHER TIERS: 0.65% → $100 - $10k
0.65%	$10k	-	48 Month IRA Special
0.50%	$10k	-	24 Month IRA Special
0.47%^*	$10k^*	-	48 Month IRA
OTHER TIERS: 0.42% → $100 - $10k
0.37%^*	$10k^*	-	36 Month IRA
OTHER TIERS: 0.32% → $100 - $10k
0.32%^*	$10k^*	-	42 Month IRA
OTHER TIERS: 0.27% → $100 - $10k
0.30%	$10k	-	12 Month IRA Special
0.23%^*	$10k^*	-	30 Month IRA
OTHER TIERS: 0.18% → $100 - $10k
0.18%^*	$10k^*	-	24 Month IRA
OTHER TIERS: 0.13% → $100 - $10k
0.09%^*	$10k^*	-	18 Month IRA
OTHER TIERS: 0.07% → $100 - $10k
0.07%^*	$10k^*	-	12 Month IRA
OTHER TIERS: 0.05% → $100 - $10k
0.04%^*	$10k^*	-	6 Month IRA
OTHER TIERS: 0.03% → $100 - $10k
0.03%^*	$10k^*	-	91 Day IRA
OTHER TIERS: 0.02% → $100 - $10k