Farmers & Merchants Bank is a bank based in Miamisburg, Ohio, established in 1923, with $355 million in total assets across 5 branches. By Trust Grade it ranks 48th of 157 banks we track in Ohio. Its capital ratio of 10.9% is stronger than 61% of similarly sized banks, versus a Ohio median of 10.3%. It was profitable over the most recent period, with a 1.73% return on assets. No consumer complaints against Farmers & Merchants Bank appear in the CFPB database over our analysis window — common for an institution of this size and a point in its favor.
How Farmers & Merchants Bank compares to Ohio peers
How we graded Farmers & Merchants Bank
The Trust Grade blends financial strength with complaint history. Full methodology →
- Strongly capitalized (10.9% capital ratio)
- Strongly profitable (ROA 1.73%)
- No CFPB complaints on record
Consumer complaints (CFPB)
No CFPB complaints are on file for Farmers & Merchants Bank over the analysis window. For a smaller institution this is common and counts in its favor.
Branch locations (5)
- 3235 Alexandersvil Bellbrk Rd, West Carrollton, OH 45449
- 2367 Beechwood Dr, Germantown, OH 45327
- 47 W Main St, New Lebanon, OH 45345
- 41 S 1st St, Miamisburg, OH 45342
- 720 Gardner Rd, Springboro, OH 45066
Are deposits at Farmers & Merchants Bank insured?
Yes. Farmers & Merchants Bank is an FDIC-insured bank (FDIC certificate #9462). 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.
Farmers & Merchants Bank: frequently asked questions
Is Farmers & Merchants Bank a good bank?
Farmers & Merchants 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 (10.9% capital ratio); Strongly profitable (ROA 1.73%).
Is Farmers & Merchants Bank FDIC-insured?
Yes. Farmers & Merchants Bank is a FDIC-insured bank (FDIC certificate #9462). Deposits are protected up to the standard FDIC limit of $250,000 per depositor, per ownership category.
How big is Farmers & Merchants Bank?
Farmers & Merchants Bank holds $355 million in total assets, ranking 48th of 157 banks we track in Ohio. It operates 5 branches.
Does Farmers & Merchants Bank have CFPB complaints?
No CFPB complaints against Farmers & Merchants 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.
