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The Farmers & Merchants State Bank
Archbold, OH · FDIC Certificate #5969 · Chartered 04/0
Total assets
$3.49B
Total deposits
$2.87B
Total equity
$400.81M
Net loans
$2.68B
Branches (offices)
39
Net income (YTD)
$22.22M
Rank: #372 of 4,213 U.S. banks by assets · #15 of 155 in Ohio. Assets changed 4.6% and deposits 5.9% over the year to June 30, 2026.
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Key ratios
| Return on assets (YTD, annualized by FDIC) | 1.28% |
| Return on equity | 11.22% |
| Net interest margin (YTD) | 3.54% |
| Equity to assets | 11.48% |
| Tier 1 leverage ratio | 9.44% |
| Uninsured deposits (share of deposits) | 11.1% |
| Noncurrent loans (share of loans) | 0.27% |
| Net charge-offs (share of loans) | 0.02% |
| Loans to deposits | 93.3% |
| Real estate loans (share of loans) | 76.6% |
Loan mix
| Category | Amount | Share | |
|---|---|---|---|
| Real estate loans | $2.05B | 76.6% | |
| Commercial & industrial | $337.49M | 12.6% | |
| Consumer / individual | $50.21M | 1.9% | |
| Construction & development | $107.06M | 4.0% | |
| Agricultural | $244.61M | 9.1% |
Five-year trend (June snapshots)
| Period | Total assets | Deposits | Net income (year to date) | Equity / net worth |
|---|---|---|---|---|
| Jun 2022 | $2.65B | $2.23B | $17.00M | $287.64M |
| Jun 2023 | $3.14B | $2.47B | $12.85M | $327.87M |
| Jun 2024 | $3.31B | $2.65B | $12.08M | $345.43M |
| Jun 2025 | $3.34B | $2.71B | $15.64M | $372.92M |
| Jun 2026 | $3.49B | $2.87B | $22.22M | $400.81M |
Where its branch deposits sit (FDIC Summary of Deposits)
| State | Branch deposits | Offices |
|---|---|---|
| Ohio | $2.02B | 24 |
| Indiana | $754.77M | 13 |
| Michigan | $98.71M | 2 |
Branch deposits are booked at the office that holds them, which is not always where the customer lives. Total across all offices: $2.87B.
Similar-sized banks
First Farmers Bank & Trust Co. ($3.50B) · Cache Valley Bank ($3.49B)
Source: FDIC BankFind - Call Report and institution data as of June 30, 2026; branch deposits from the FDIC Summary of Deposits (June 30, 2026). See methodology.
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