The Farmers & Merchants State Bank
The Farmers & Merchants State Bank is an FDIC insured institution headquartered at
307 N Defiance St, Archbold, OH 43502.
Deposit Rates -
August 20, 2026
SAVINGS RATES
APY
MIN
Savings
0.03% $2,500
Compare
CD RATES
APY
MIN
6 Mo CD
0.07% $10,000
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6 Mo CD
0.17% $100,000
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12 Mo CD
0.21% $10,000
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12 Mo CD
0.33% $100,000
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18 Mo CD
0.26% $10,000
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18 Mo CD
0.36% $100,000
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24 Mo CD
0.29% $10,000
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24 Mo CD
0.39% $100,000
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30 Mo CD
0.31% $10,000
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30 Mo CD
0.39% $100,000
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36 Mo CD
0.41% $10,000
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36 Mo CD
0.51% $100,000
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48 Mo CD
0.61% $10,000
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48 Mo CD
0.69% $100,000
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60 Mo CD
1.11% $10,000
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60 Mo CD
1.17% $100,000
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FIXED IRA RATES
APY
MIN
Special: 20 Mo FIRA
1.01% $2,500
Overview 2026
General Bank Information
FDIC Insured
Yes
FDIC Certificate
# 5969
Date Established
1897
Assets
$ 3.43 billion
Loans
$ 2.69 billion
Deposits
$ 2.74 billion
Capital
$ 392.65 million
Summary Balance Sheet as of December 31, 2025
ASSETS
Cash & Balances due from depository institutions
$ 96.90 million
Interest-bearing balances
$ 54.68 million
Total securities
$ 417.89 million
Federal funds sold and reverse repurchase
$ 0.47 million
Net loans and leases
$ 2.69 billion
Loan loss allowance
$ 27.69 million
Trading account assets
N.A.
Bank premises and fixed assets
N.A.
Other real estate owned
N.A.
Goodwill and other intangibles
$ 95.52 million
All other assets
$ 62.34 million
Total Assets $ 3.03 billion
LIABILITIES
Total deposits
$ 2.74 billion
Interest-bearing deposits
$ 2.20 billion
Deposits held in domestic offices
$ 2.74 billion
% insured (estimated)" 87.25%
Federal funds purchased and repurchase agreements
$ 37.72 million
Trading liabilities
N.A.
Other borrowed funds
$ 42.64 million
Subordinated debt
N.A.
All other liabilities
$ 17.66 millionn
Total Liabilities $ 3.03 billion
Shareholders’ Equity $ 392.65 million
Summary Income Statement as of December 31, 2025
INCOME AND EXPENSES
Total Interest Income
$ 173.28 million
Total Interest Expense
$ 68.11 million
Net interest income
$ 105.16 million
Provision for loan and lease losses
$ 2.09 million
Total non interest income
$ 15.52 million
Total non interest expense
$ 74.01 million
Pre-tax Net Operating Income
$ 21.27 million
Customer Reviews for The Farmers & Merchants State Bank
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The Farmers & Merchants State Bank Locations
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