B
The Farmers & Merchants State Bank
Rating Date
March 2026
Risk Based
Capital Ratio
Leverage
Ratio
Return On
Assets
Total
Assets
Capital
Total
Deposits
Net
Income
Weiss Ratings The Farmers & Merchants State Bank
Archbold, OH
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Rating B
Asset Quality Index 7.10
Capitalization Index 7.70
Liquidity Index 3.10
Profitability Index 4.80
Stability Index 9.10
Company Info The Farmers & Merchants State Bank
Archbold, OH
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FDIC Number 5969
Phone Number (419) 446-2501
Website www.fm.bank
Asset Quality The Farmers & Merchants State Bank
Archbold, OH
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1-Year Asset Growth 2.04%
5-Year Asset Growth 16.37%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.03%
Non-Performing Assets to Assets 0.33%
Non-Performing Loans to Capital 3.29%
Non-Performing Loans to Loans 0.42%
Balance Sheet The Farmers & Merchants State Bank
Archbold, OH
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Total Assets 3.43B
Total Deposits 2.74B
Capital and Reserves The Farmers & Merchants State Bank
Archbold, OH
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Capital 392.65M
Leverage Ratio 9.47
Loan Loss Reserves to Loans 1.02%
Risk-Based Capital Ratio 12.53
Liquidity The Farmers & Merchants State Bank
Archbold, OH
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Hot Money Ratio 13.61%
Liquidity Ratio 8.20%
Profitability The Farmers & Merchants State Bank
Archbold, OH
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5-Year Return on Average Assets 0.99%
Net Income 34.93M
Net Interest Spread 3.34%
Operating Profit to Average Assets 1.32%
Overhead Efficiency Ratio 61.33%
Return on Assets 1.03%
Return on Equity 9.32%