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 The Farmers & Merchants State Bank
The Farmers & Merchants State Bank
| RSSD ID 214414 | CERTIFICATE 5969 | ABA NUMBER 41207341 |
| 307 N Defiance St |
Quarter Ended : |
2025-12-31 |
| Archbold, Ohio, 43502 |
Updated : |
2026-01-27 |
| www.fm.bank |
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| Institution Profile |
| Year Opened : |
1897 |
Institution Type : |
Commercial bank |
| Entity Type : |
State |
Federal Regulator : |
FDIC |
| Member Federal Reserve : |
No |
S-Corp : |
No |
| Fiduciary Powers : |
No |
Powers Exercised : |
No |
| Filing Type : |
041 |
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| Specialization : |
Commercial Lending Specialization |
| Number of Offices : |
41 |
Number of Employees : |
474 |
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| Financial Fast Facts |
Balance Sheet
(USD, in thousands) |
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Income Statement
(USD, in thousands, ytd) |
| Total Assets | 3,426,287 |
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Total Interest Income | 173,275 |
| Total Liabilities | 3,033,633 |
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Total NonInterest Income | 15,521 |
| Total Bank Equity Capital | 392,654 |
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Total Interest Expense | 68,114 |
| Total Deposits | 2,735,120 |
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Total NonInterest Expense | 74,009 |
| Net Loans & Leases | 2,685,990 |
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Net Income | 34,928 |
| Loan Loss Allowance | 27,688 |
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Net Charge Offs | 734 |
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| Regulatory Capital |
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Quarterly Averages
(USD, in thousands) |
| Total capital | 342,889 |
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Total loans | 2,680,693 |
| Total assets for the leverage ratio | 3,327,976 |
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Loans secured by real estate: | 1,979,667 |
| Tier 1 Leverage Ratio | 9.47 |
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Commercial and industrial loans | 293,343 |
| Tier 1 Capital Ratio | 11.51 |
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Loans to individuals - Credit Cards | 0 |
| Total Capital Ratio | 12.53 |
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Loans to individuals - Other | 60,202 |
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:· The Farmers & Merchants State Bank
