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 65^th largest bank in the state of Ohio. It is also the 2,317^th largest bank in the nation. It was established in 1923 and as of June of 2024, it had grown to 41 employees at 5 locations. Farmers & Merchants Bank (OH)'s savings rates are 7X the national average, and it has an A health rating.

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Health

Data as of Q2 2024

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Health Grade Components

Overall
FDIC Certificate #	9462
Year Established	1923
Employees	41
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.38%
Return on Equity - YTD	16.12%
Annual Interest Income	$8.5MM

Assets and Liabilities
Assets	Q2 2024vs Q2 2023	$334.5MM$277.6MM
Loans	Q2 2024vs Q2 2023	$240.6MM$202.2MM
Deposits	Q2 2024vs Q2 2023	$281MM$236.7MM
Equity Capital	Q2 2024vs Q2 2023	$27.5MM$23MM
Loan Loss Allowance	Q2 2024vs Q2 2023	$3.5MM$3.2MM
Unbacked Noncurrent Loans	Q2 2024vs Q2 2023	$57K$61K
Real Estate Owned	Q2 2024vs Q2 2023	$0$0

Rates

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Savings
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.

Farmers & Merchants Bank (OH) Savings Account Rates

APY	MIN	MAX	ACCOUNT NAME
6.17%	$100	$100k	Homebuyer 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
3.03%	$500	-	Self Directed IRA
3.03%	$500	-	Roth IRA
2.00%^*	$0	$100k	Kasasa 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

APY	MIN	MAX	ACCOUNT NAME
4.00%	$0	$20k	Kasasa Cash Checking
0.25%^*	$10k^*	-	Freedom Checking Account
OTHER TIERS: 0.05% → $0 - $10k

Farmers & Merchants Bank (OH) CD Rates

APY	MIN	MAX	ACCOUNT NAME
4.57%	$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

APY	MIN	MAX	ACCOUNT NAME
3.54%	$1k	-	1 Year 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 Branch	2367 Beechwood Drive	Germantown, OH 45327
West Carrollton Branch	3235 W. Alexandersville-Bellbrook Rd	West Carrollton, OH 45449
Farmers & Merchants Bank	41 S 1st St	Miamisburg, OH 45342
New Lebanon Branch	510 W. Main Street	New Lebanon, OH 45345
Springboro Branch	720 Gardner Road	Springboro, OH 45066

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