The Farmers & Merchants State Bank
Archbold, OH
IDRSSD: 214414
Total Assets
$3.38B
Latest filing
Total Deposits
$2.76B
Latest filing
Net Interest Margin
3.50%
Profitability
Locations
Main office and branches. Select to view on the map.
Main Office
The Farmers & Merchants State Bank
307 N Defiance St
Archbold, OH 43502
Full Service - Brick and Mortar
Updated 11/14/2025Established 04/01/1897FDIC Certificate 4050
Branches (39)
Page 1 of 6| Name | Address | City / State |
|---|---|---|
| The Farmers & Merchants State Bank (Main) | 307 N Defiance St | Archbold, OH |
| OSSIAN BRANCH | 102 N Jefferson St | Ossian, IN |
| BLUFFTON BRANCH | 111 Oak Forest Dr | Bluffton, IN |
| MONROE BRANCH | 150 W Washington St | Monroe, IN |
| BERNE BRANCH | 100 Ushy 27 N | Berne, IN |
| WAUSEON BRANCH | 1130 N Shoop Ave | Wauseon, OH |
| STRYKER BRANCH | 300 South Defiance Street | Stryker, OH |
| WEST UNITY BRANCH | 200 W Jackson St | West Unity, OH |
Showing 7 of 39
Quarterly Trends
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Total Assets vs Total Liabilities
Loans & Leases vs Deposits
Interest Income vs Expense
Net Interest Income
Noninterest Expense vs Income
Net Income
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Institution Profile
| Institution Class | Commercial bank, state charter, Fed non-member, and supervised by the FDIC |
| Primary Regulator | FDIC |
| Established Date | 04/01/1897 |
| Community Bank | No |
| Ownership Type | Not Mutual |
| ZIP | 43502 |
| State and County Number | 39051 |
| Subchapter S Corporations | No |
| Trust Powers | Trust Powers Not Granted |
| Federal Reserve ID Number | 04 |
| Numeric code | 21 |
| Insured by FDIC | Institutions that are currently open and insured by the FDIC |
| Federal Reserve District | Chicago |
| Core Based Statistical Area Name | Toledo, OH |
Operational Info
| Number of Employees | 488 |
| Domestic Offices | 40 |
| Foreign Offices | 0 |
| US Offices | 0 |
| Directly owned by another bank (CERT) | No |
| Last Structure Change Effective Date | 10/01/2022 |
| Date of Deposit Insurance | 01/01/1934 |
| Primary Insurance Agency | DIF |
| Website | www.fm.bank |
| Data Updated | 11/14/2025 |
| CERT | 5969 |
| Office of The Comptroller District: | — |
| Office of Thrift Supervision Region | N/A |
Financial Summary
| Total Assets | $3.38B |
| Total Deposits | $2.76B |
| Total Liabilities | $3.00B |
| Total Equity Capital | $383.92M |
| Net Income | $9.17M |
| Net Loans and Leases | $2.64B |
| Assets Per Employee ($Millions) | $7.11M |
| Bank Premises and Fixed Assets | $32.32M |
| Cash and Balances due from Depository Institutions | $116.06M |
| Deposits Held in Domestic Offices | $2.76B |
Key Performance Ratios
| Return on Assets (ROA) | 1.09% |
| Return on Equity (ROE) | 9.69% |
| Net Interest Margin | 3.5% |
| Efficiency Ratio | 59.86% |
| Tier 1 Risk-Based Capital Ratio | 11.511% |
| Net Loans and Leases to Core Deposits | 0% |
| Credit Loss Provision to Assets | 0.03% |
| Cash Dividends to Net Income (YTD Only) | 0% |
| Equity Capital to Assets | 11.351% |
| Earning Assets to total Assets | 92.65% |
Income and Expense
| Total Interest Income | $44.41M |
| Total Noninterest Income | $3.82M |
| Total Interest Expense | $17.30M |
| Total Noninterest Expense | $18.96M |
| Net Interest Income | $27.11M |
| Pre-tax Net Operating Income | $11.69M |
| Provision for Credit Losses | $285.00k |
| Discontinued Operations (Extraordinary Gains - Net) | $0 |
Additional Financial Info
| Goodwill and Other Intangibles | $0 |
| All Other Assets | $0 |
| Other Real Estate Owned | $0 |
| Other borrowed funds | $187.91M |
| Federal Funds Sold & Reverse Repurchase Agreement | $582.00k |
| Federal Funds Purchased and Repurchased Agreement | $22.72M |
| All Other Liabilities | $31.99M |
| Total Liabilities and Capital | $3.38B |
Securities
| Securities | $418.58M |
| Available-for-sale debt securities | $416.43M |
| Equity securities with readily determinable fair values not held for trading | $0 |
| Held-to-maturity securities | $0 |
| Subordinated Debt | $0 |
| Trading Account Assets | $0 |
| Trading Liabilities | $0 |
Frequently Asked Questions
What are the total assets of The Farmers & Merchants State Bank?
$3.38B as of the latest filing.
How much are The Farmers & Merchants State Bank's total deposits?
$2.76B in total deposits.
Where is The Farmers & Merchants State Bank located?
Archbold, OH.
What is the Net Interest Margin?
3.50%.
How many domestic offices does it operate?
40.
When was it established?
04/01/1897.
What is the Return on Assets (ROA)?
1.09%.
How much are total loans and leases?
$2.64B (latest filing).
What is the total interest income (latest filing)?
$44.41M.