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 3,337^th largest bank in the nation. It was established in 1923 and as of December of 2018, it had grown to 28 employees at 4 locations. Farmers & Merchants Bank (OH)'s CD rates are 3X the national average, and it has 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

Data as of Q4 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9462
Year Established	1923
Employees	28
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.25%
Return on Equity - YTD	13.09%
Annual Interest Income	$6.7MM

Assets and Liabilities
Assets	Q4 2018vs Q4 2017	$156.8MM$144.7MM
Loans	Q4 2018vs Q4 2017	$114.5MM$102.0MM
Deposits	Q4 2018vs Q4 2017	$128.0MM$125.1MM
Equity Capital	Q4 2018vs Q4 2017	$15.3MM$14.0MM
Loan Loss Allowance	Q4 2018vs Q4 2017	$1.6MM$1.5MM
Unbacked Noncurrent Loans	Q4 2018vs Q4 2017	$774.00K$148.00K
Real Estate Owned	Q4 2018vs Q4 2017	$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	-	4 Year CD
2.52%	$1k	-	5 Year CD
2.37%	$100k	-	1 Year Jumbo CD
2.27%	$1k	-	3 Year CD
2.02%	$1k	-	2 Year CD
1.76%	$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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