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Farmers & Merchants Bank


Farmers & Merchants Bank ACH Number: 042213389

Farmers & Merchants Bank is an FDIC insured institution headquartered at 41 S 1st St, Miamisburg, OH 45342.
It was founded in 1923 and has approximately $0 billion in assets. Customers can open an account at one of its 4 branches.

Deposit Rates - April 25, 2025

SAVINGS RATES APY MIN
SAV
0.25% $50,000 Compare
SAV
3.82% $100,000 Compare
CD RATES APY MIN
3 Mo CD
0.50% $1,000 Compare
6 Mo CD
4.06% $1,000 Compare
12 Mo CD
4.06% $1,000 Compare
12 Mo CD
5.09% $100,000 Compare
18 Mo CD
3.80% $1,000 Compare
24 Mo CD
3.80% $1,000 Compare
36 Mo CD
3.80% $1,000 Compare
48 Mo CD
3.80% $1,000 Compare
60 Mo CD
3.80% $1,000 Compare
INT CHECKING RATES APY MIN
INTCK
0.25% $10,000

Overview 2025

General Bank Information

FDIC Insured Yes
FDIC Certificate # 9462
Date Established 1923
Assets $ 322.75 million
Loans $ 258.75 million
Deposits $ 277.52 million
Capital $ 29.96 million

Summary Balance Sheet as of December 31, 2024

ASSETS
Cash & Balances due from depository institutions $ 2.33 million
Interest-bearing balances $ 0.21 million
Total securities $ 49.63 million
Federal funds sold and reverse repurchase $ 0.04 million
Net loans and leases $ 258.75 million
Loan loss allowance $ 3.91 million
Trading account assets N.A.
Bank premises and fixed assets N.A.
Other real estate owned N.A.
Goodwill and other intangibles N.A.
All other assets $ 6.73 million
     Total Assets $ 292.79 million

LIABILITIES
Total deposits $ 277.52 million
      Interest-bearing deposits $ 202.06 million
      Deposits held in domestic offices $ 277.52 million
      % insured (estimated)" 76.86%
Federal funds purchased and repurchase agreements N.A.
Trading liabilities N.A.
Other borrowed funds $ 12.00 million
Subordinated debt N.A.
All other liabilities $ 0.85 millionn
      Total Liabilities $ 292.79 million
      Shareholders’ Equity $ 29.96 million

Summary Income Statement as of December 31, 2024

INCOME AND EXPENSES
Total Interest Income $ 18.03 million
Total Interest Expense $ 5.56 million
Net interest income $ 12.46 million
Provision for loan and lease losses $ 0.54 million
Total non interest income $ 1.25 million
Total non interest expense $ 7.23 million
Pre-tax Net Operating Income $ 1.81 million


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Branches

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Farmers & Merchants Bank Locations

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