The Farmers & Merchants State Bank is a bank based in Archbold, Ohio, established in 1897, with $3.5 billion in total assets across 41 branches. By Trust Grade it ranks 33rd of 157 banks we track in Ohio. Its capital ratio of 11.4% is stronger than 68% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 1.15% return on assets. No consumer complaints against The Farmers & Merchants State Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How The Farmers & Merchants State Bank compares to Ohio peers
How we graded The Farmers & Merchants State Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (11.4% capital ratio)
- Strongly profitable (ROA 1.15%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for The Farmers & Merchants State Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (41)
- 102 N Jefferson St, Ossian, IN 46777
- 111 Oak Forest Dr, Bluffton, IN 46714
- 150 W Washington St, Monroe, IN 46772
- 100 Ushy 27 N, Berne, IN 46711
- 1130 N Shoop Ave, Wauseon, OH 43567
- 300 South Defiance Street, Stryker, OH 43557
- 200 W Jackson St, West Unity, OH 43570
- 101 Main St, Delta, OH 43515
- 1000 S Main St, Bryan, OH 43506
- 2255 Scott St, Napoleon, OH 43545
- 1150 E Main St, Montpelier, OH 43543
- 403 S Pike St, Anna, OH 45302
- 115 E Pike St, Jackson Center, OH 45334
- 7 Turtle Creek Cir, Swanton, OH 43558
- 1175 Hotel Dr, Defiance, OH 43512
- 215 E Line St, Geneva, IN 46740
- 307 N Defiance St, Archbold, OH 43502
- 22973 Defiance Pike, Custar, OH 43511
- 120 N Main St, Urbana, OH 43078
- 101 E Court St, Sidney, OH 45365
- 1451 N Meridian St, Portland, IN 47371
- 100 N Main St, Hicksville, OH 43526
- 7001 Lighthouse Way, Perrysburg, OH 43551
- 2310 N Wayne St, Angola, IN 46703
- 1118 S 13th St, Decatur, IN 46733
- 8720 Waterville Swanton Rd, Waterville, OH 43566
- 5830 Monroe St, Sylvania, OH 43560
- 12106 Lima Rd, Fort Wayne, IN 46818
- 1072 N Main St, Bowling Green, OH 43402
- 5909 Bluffton Rd, Fort Wayne, IN 46809
- 1660 Tiffin Ave, Findlay, OH 45840
- 620 S Clydes Way, Archbold, OH 43502
- 620 S Clydes Way, Archbold, OH 43502
- 7370 Illinois Rd, Fort Wayne, IN 46804
- 406 Smaltz Way, Auburn, IN 46706
- 335 South College Avenue, Oxford, OH 45056
- 120 N Summit St., Toledo, OH 43604
- 220 Park Street, Birmingham, MI 48009
- 128 West Wayne St., Fort Wayne, IN 46802
- 3001 W Big Beaver Rd, Troy, MI 48084
Are deposits at The Farmers & Merchants State Bank insured?
Yes. The Farmers & Merchants State Bank is an FDIC-insured bank (FDIC certificate #5969). Deposits are federally insured up to $250,000per depositor, per ownership category — regardless of this institution's Trust Grade. The grade reflects financial strength and complaint history for comparison, not the safety of insured deposits.
The Farmers & Merchants State Bank: frequently asked questions
Is The Farmers & Merchants State Bank a good bank?
The Farmers & Merchants State Bank earns a Bankzia Trust Grade of A (98/100, "Excellent"), based on a financial-strength score of 98/100 (it has no CFPB complaints on record). Strongly capitalized (11.4% capital ratio); Strongly profitable (ROA 1.15%).
Is The Farmers & Merchants State Bank FDIC-insured?
Yes. The Farmers & Merchants State Bank is a FDIC-insured bank (FDIC certificate #5969). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is The Farmers & Merchants State Bank?
The Farmers & Merchants State Bank holds $3.5 billion in total assets, ranking 33rd of 157 banks we track in Ohio. It operates 41 branches.
Does The Farmers & Merchants State Bank have CFPB complaints?
No CFPB complaints against The Farmers & Merchants State Bank appear in our data over the analysis window, which is typical for a bank of this size.
Similar Banks
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is an independent resource and is not affiliated with any government agency or financial institution. Figures are for general information, not financial advice.
