The Farmers And Merchants Bank vs Civista Bank
Comparing a Bank in Caldwell, OH with a Bank in Sandusky, OH using federal FDIC, NCUA, and CFPB data. Trust Grades reflect financial strength and complaint history.
| The Farmers And Merchants Bank ↗ Bank · Caldwell, OH · Est. 1912 | Civista Bank ↗ Bank · Sandusky, OH · Est. 1884 | |
|---|---|---|
| Trust Grade | A · 98/100 | A · 98/100 |
| Institution type | Bank | Bank |
| Location | Caldwell, OH | Sandusky, OH |
| Total assets | $134.9M | $4.3B |
| Capital ratio | 14.5% | 14.7% |
| Return on assets | 1.6% | 1.5% |
| Deposits | $115.1M | $3.5B |
| Branches | 1 | 42 |
| CFPB complaints | 0 | 0 |
| Complaints / $1B assets | — | — |
| State rank | #2 of 157 | #3 of 157 |
| Established | 1912 | 1884 |
The Farmers And Merchants Bank
- Assets: $134.9M
- Deposits: $115.1M
- Capital ratio: 14.5%
- Return on assets: 1.6%
- CFPB complaints: 0
- State rank: #2 of 157
Civista Bank
- Assets: $4.3B
- Deposits: $3.5B
- Capital ratio: 14.7%
- Return on assets: 1.5%
- CFPB complaints: 0
- State rank: #3 of 157
Are both institutions federally insured?
Yes. The Farmers And Merchants Bank is FDIC-insured and Civista Bank is FDIC-insured. Both protect deposits up to $250,000 per depositor, per ownership category, regardless of Trust Grade. The Trust Grade reflects financial strength and complaint history — not the safety of insured deposits. Estimate your coverage →
Frequently asked questions
Which is better, The Farmers And Merchants Bank or Civista Bank?
Based on Bankzia's Trust Grade — which blends financial strength (capital ratio, ROA) with CFPB complaint history — The Farmers And Merchants Bank scores higher with a grade of A (98/100). However, "better" depends on your needs: if you prioritize branch access, local service, or membership eligibility for a credit union, the lower-scoring option may still be the right choice for you.
Is The Farmers And Merchants Bank safe?
Yes — The Farmers And Merchants Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected regardless of the institution's Trust Grade. Its Trust Grade is A (98/100), reflecting its financial strength and complaint history relative to peers.
Is Civista Bank safe?
Yes — Civista Bank is FDIC-insured, meaning deposits up to $250,000 per depositor, per ownership category are federally protected. Its Trust Grade is A (98/100).
What is the capital ratio of The Farmers And Merchants Bank vs Civista Bank?
The Farmers And Merchants Bank has a capital ratio of 14.5%, placing it in the top 12% of $100M–1B peers. Civista Bank's ratio is 14.7%, placing it in the top 8% of $1B–10B peers. A higher capital ratio generally signals a stronger financial cushion.
How many complaints does The Farmers And Merchants Bank have compared to Civista Bank?
The CFPB database shows 0 complaints against The Farmers And Merchants Bank, and 0 complaints against Civista Bank. The per-$1B rate adjusts for institution size and is a more meaningful comparison metric.
How does Bankzia calculate the Trust Grade?
The Trust Grade combines a financial strength score (based on capital ratio, return on assets, and other FDIC/NCUA metrics) with a customer experience score derived from CFPB complaint data. The scores are weighted and normalized within peer groups by institution size and type. See our full methodology for details.
Compare The Farmers And Merchants Bank with other Banks in Ohio
Financial data from FDIC call reports; complaint data from the CFPB Consumer Complaint Database. Bankzia is independent and not affiliated with any government agency or financial institution.
