Farmers & Merchants Bank (OH)

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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 67^th largest bank in the state of Ohio. It is also the 2,354^th 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 Established	1923
Employees	40
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.64%
Return on Equity - YTD	17.41%
Annual Interest Income	$4.9MM

Assets and Liabilities
Assets	Q1 2025vs Q1 2024	$331.8MM$300.5MM
Loans	Q1 2025vs Q1 2024	$265.3MM$230.2MM
Deposits	Q1 2025vs Q1 2024	$285.1MM$250.3MM
Equity Capital	Q1 2025vs Q1 2024	$31.7MM$26.2MM
Loan Loss Allowance	Q1 2025vs Q1 2024	$4MM$3.5MM
Unbacked Noncurrent Loans	Q1 2025vs Q1 2024	$0$58K
Real Estate Owned	Q1 2025vs Q1 2024	$0$0

TODAY'S FEATURED RATES

Member FDIC

4.00%

Our Rating

4.2 / 5

CIT Bank

Platinum Savings

See Offer

Sponsored Note: Earn more with a min. balance of $5K. Savings starts at $100. FDIC Insured.

Member FDIC

3.80%

Our Rating

4.2 / 5

SoFi® Bank, N.A.

SoFi Checking and Savings

See Offer

Sponsored Note: +0.20% boost to 4.00% for up to 6 months on new accounts with eligible direct deposit. Terms apply.

Member FDIC

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

3.50%

Our Rating

4.4 / 5

Capital One

360 Performance Savings

See Offer

Sponsored Note: It only takes about 5 minutes to open a fee-free account. Member FDIC.

Member FDIC

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

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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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
2.00%	$0	$100k	Kasasa Saver
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
4.32%	$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

APY	MIN	MAX	ACCOUNT NAME
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 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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