Farmers & Merchants Bank (OH)

Overview / Commentary

www.bankwithfm.com

937-866-2455

41 South First Street
Miamisburg, OH 45342

Farmers & Merchants Bank (OH) is headquartered in Miamisburg and is the 98^th largest bank in the state of Ohio. It is also the 3,288^th largest bank in the nation. It was established in 1923 and as of March of 2019, it had grown to 29 employees at 4 locations. Farmers & Merchants Bank (OH)'s CD rates are 2X the national average, and it boasts an A+ health rating.

Reviews (1)

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Farmers & Merchants Is A Pleasure To Do Business With

Posted by: Anonymous | Sep 21, 2011

Farmers Merchants is a pleasure to do business with as they make it a point to know their customers, and they still make all decisions locally.

Comment

Health

A+

Data as of Q1 2019

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9462
Year Established	1923
Employees	29
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.15%
Return on Equity - YTD	11.61%
Annual Interest Income	$1.8MM

Assets and Liabilities
Assets	Q1 2019vs Q1 2018	$160.9MM$154.0MM
Loans	Q1 2019vs Q1 2018	$119.0MM$109.2MM
Deposits	Q1 2019vs Q1 2018	$135.3MM$125.4MM
Equity Capital	Q1 2019vs Q1 2018	$16.1MM$14.1MM
Loan Loss Allowance	Q1 2019vs Q1 2018	$1.6MM$1.6MM
Unbacked Noncurrent Loans	Q1 2019vs Q1 2018	$411.00K$141.00K
Real Estate Owned	Q1 2019vs Q1 2018	$0$0

Rates

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Checking
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Always verify rates and promotions with the bank or credit union. We are not Farmers & Merchants Bank (OH); we are a rate comparison website and cannot provide official rates or promotions.

* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.

Farmers & Merchants Bank (OH) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
1.00%^*	-	$10k	Kasasa Saver
OTHER TIERS: 0.15% → $10k+
0.20%^*	$50k^*	-	Minor Saving Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	Passbook Saving Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	Statement Saving Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.10%^*	$10k^*	-	Health Savings Accounts
OTHER TIERS: 0.05% → Up to $10k

Farmers & Merchants Bank (OH) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.25%	-	$10k	Kasasa Cash
0.10%^*	$10k^*	-	Freedom Checking Account
OTHER TIERS: 0.05% → Up to $10k

Farmers & Merchants Bank (OH) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.52%	$1k	-	5 Year CD
2.27%	$1k	-	4 Year CD
2.02%	$1k	-	3 Year CD
2.02%	$100k	-	1 Year Jumbo CD
1.76%	$1k	-	2 Year CD
1.51%	$1k	-	18 Month CD
0.75%	$1k	-	1 Year CD
0.25%	$1k	-	6 Month CD
0.20%	$1k	-	3 Month CD
0.15%	$1k	-	1 Month CD

Farmers & Merchants Bank (OH) IRA Rates

APY	MIN	MAX	ACCOUNT NAME
2.02%	$500	-	12 Month Variable Roth IRA
2.02%	$500	-	12 Month Variable Rate Self Directed IRA
2.01%	$500	-	24 Month Roth IRA
1.76%	$500	-	30 Month Regular IRA

Locations

Farmers & Merchants Bank (OH) Locations
Germantown Branch	2367 Beechwood Drive	Germantown, OH 45327
West Carrollton Branch	3235 W. Alexandersville-Bellbrook Rd	West Carrollton, OH 45449
Farmers & Merchants Bank	41 South First Street	Miamisburg, OH 45342
New Lebanon Branch	510 W. Main Street	New Lebanon, OH 45345

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