Farmers & Merchants Bank (OH)

Popular Accounts at this Bank

APY	ACCOUNT TYPE	HOW THEY COMPARE
2.00%	Reward Checking	2.09% - National Average
0.50%	Reward Savings	0.95% - National Average
1.61%	5-year CD	3.10% - American Express National Bank 60 Month CD

View all Farmers & Merchants Bank (OH) rates »

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 102^nd largest bank in the state of Ohio. It is also the 3,378^th largest bank in the nation. It was established in 1923 and as of September of 2018, it had grown to 27 employees at 4 locations. Farmers & Merchants Bank (OH)'s CD rates are 3X the national average, and it has an A health rating.

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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.

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Health

Data as of Q3 2018

Learn why bank health matters

Health Grade Components

Overall
FDIC Certificate #	9462
Year Established	1923
Employees	27
Primary Regulator	FDIC

Profit Margin
Return on Assets - YTD	1.32%
Return on Equity - YTD	13.95%
Annual Interest Income	$5.0MM

Assets and Liabilities
Assets	Q3 2018vs Q3 2017	$154.9MM$144.7MM
Loans	Q3 2018vs Q3 2017	$113.8MM$98.7MM
Deposits	Q3 2018vs Q3 2017	$126.2MM$125.3MM
Equity Capital	Q3 2018vs Q3 2017	$14.8MM$14.0MM
Loan Loss Allowance	Q3 2018vs Q3 2017	$1.6MM$1.5MM
Unbacked Noncurrent Loans	Q3 2018vs Q3 2017	$204.00K$0
Real Estate Owned	Q3 2018vs Q3 2017	$0$0

Rates

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Checking
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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
0.50%^*	-	$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
0.20%^*	$50k^*	-	Business Passbook Saving Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k
0.20%^*	$50k^*	-	Business Statement Saving Account
OTHER TIERS: 0.05% → Up to $10k \| 0.10% → $10k - $25k \| 0.15% → $25k - $50k

Farmers & Merchants Bank (OH) Checking Account Rates

APY	MIN	MAX	ACCOUNT NAME
2.00%^*	-	$10k	Kasasa Cash
OTHER TIERS: 0.15% → $10k+
0.10%^*	$10k^*	-	Freedom Checking Account
OTHER TIERS: 0.05% → Up to $10k

Farmers & Merchants Bank (OH) CD Rates

APY	MIN	MAX	ACCOUNT NAME
2.37%	$100k	-	1 Year Jumbo CD
1.61%	$1k	-	5 Year CD
1.51%	$1k	-	18 Month CD
1.51%	$1k	-	4 Year CD
1.36%	$1k	-	3 Year CD
1.26%	$1k	-	1 Year CD
1.00%	$1k	-	2 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
1.10%	$500	-	30 Month Regular IRA
1.00%	$500	-	24 Month Roth 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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