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Farmers & Merchants Bank (OH)


TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
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 67th largest bank in the state of Ohio. It is also the 2,354th largest bank in the nation. It was established in 1923 and as of March of 2025, it had grown to 40 employees at 5 locations. Farmers & Merchants Bank (OH)'s savings rates are 7X the national average, and it boasts an A+ health rating.

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Health
A+

Data as of Q1 2025

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #9462
Year Established1923
Employees40
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.64%
Return on Equity - YTD17.41%
Annual Interest Income$4.9MM
Assets and Liabilities
AssetsQ1 2025vs Q1 2024$331.8MM$300.5MM
LoansQ1 2025vs Q1 2024$265.3MM$230.2MM
DepositsQ1 2025vs Q1 2024$285.1MM$250.3MM
Equity CapitalQ1 2025vs Q1 2024$31.7MM$26.2MM
Loan Loss AllowanceQ1 2025vs Q1 2024$4MM$3.5MM
Unbacked Noncurrent LoansQ1 2025vs Q1 2024$0$58K
Real Estate OwnedQ1 2025vs Q1 2024$0$0
TODAY'S FEATURED RATES
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.80%
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to 3.80% APY and up to $300 with direct deposit. Members can unlock our highest savings rate with direct deposit OR by depositing $5,000 or more every 30 days. Terms apply. Member FDIC
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
3.60%
Our Rating
4.3  / 5
American Express
American Express® High Yield Savings Account
See Offer
Sponsored Note: Interest compounds daily, deposited monthly
Member FDIC
APY APY = Annual Percentage Yield Rates as of 7/1/2025
4.44%
Our Rating
4.3  / 5
Peak Bank
Envision High Yield Savings
See Offer
Sponsored Note: Member FDIC: Insured up to $250,000. $100 Deposit Earns Interest Immediately.
Member FDIC
Bonus Amount
up to $300
Our Rating
4.2  / 5
SoFi® Bank, N.A.
SoFi Checking and Savings
See Offer
Sponsored Note: Earn up to $300 with direct deposit, plus 2-day-early-pay. FDIC insured!
Rates
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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 Bank (OH) Savings Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
6.17%$100$100kHomebuyer Plus
3.82%*$100k*-Super Saver Savings
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k | 0.25% → $50k - $100k
2.00%*$0$100kKasasa Saver
OTHER TIERS: 0.50% → $100k+
0.25%*$50k*-Minor Saving Account
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k
0.25%*$50k*-Statement Saving Account
OTHER TIERS: 0.05% → $0 - $10k | 0.10% → $10k - $25k | 0.15% → $25k - $50k
0.25%$0-Health Savings Accounts

Farmers & Merchants Bank (OH) Checking Account Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.00%$0$20kKasasa Cash Checking
0.25%*$10k*-Freedom Checking Account
OTHER TIERS: 0.05% → $0 - $10k

Farmers & Merchants Bank (OH) CD Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
4.32%$100k-6 Month Jumbo CD Special
3.54%$1k-1 Year CD
3.03%$1k-18 Month CD
3.03%$1k-2 Year CD
2.30%$1k-3 Year CD
2.30%$1k-4 Year CD
2.30%$1k-5 Year CD
0.75%$1k-6 Month CD
0.50%$1k-3 Month CD

Farmers & Merchants Bank (OH) IRA Rates

APYMINMAXACCOUNT NAMEVIEW DETAILS
3.54%$1k-1 Year IRA
3.03%$500-Self Directed IRA
3.03%$500-Roth IRA
3.03%$1k-18 Month IRA
3.03%$1k-2 Year IRA
2.30%$1k-3 Year IRA
2.30%$1k-4 Year IRA
2.30%$1k-5 Year IRA
Locations


Farmers & Merchants Bank (OH) Locations
Germantown Branch2367 Beechwood DriveGermantown, OH 45327
West Carrollton Branch3235 W. Alexandersville-Bellbrook RdWest Carrollton, OH 45449
Farmers & Merchants Bank41 S 1st StMiamisburg, OH 45342
New Lebanon Branch510 W. Main StreetNew Lebanon, OH 45345
Springboro Branch720 Gardner RoadSpringboro, OH 45066

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