B
The Farmers & Merchants State Bank
Rating Date
April 2025
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
Click to
Compare
Click to
Compare
Click to
Compare
Rating B
Asset Quality Index 6.30
Capitalization Index 6.80
Liquidity Index 3.40
Profitability Index 4.30
Stability Index 8.40
Company Info The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
FDIC Number 5969
Phone Number (419) 446-2501
Website www.fm.bank
Asset Quality The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
1-Year Asset Growth 2.54%
5-Year Asset Growth 22.42%
5-Year Charge-Offs to Average Loans 0.04%
Charge-Offs to Average Loans 0.01%
Non-Performing Assets to Assets 0.09%
Non-Performing Loans to Capital 0.99%
Non-Performing Loans to Loans 0.12%
Balance Sheet The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
Total Assets 3.36B
Total Deposits 2.69B
Capital and Reserves The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
Capital 358.13M
Leverage Ratio 8.81
Loan Loss Reserves to Loans 1.01%
Risk-Based Capital Ratio 12.40
Liquidity The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
Hot Money Ratio 14.07%
Liquidity Ratio 11.62%
Profitability The Farmers & Merchants State Bank
Archbold, OH
Click to
Compare
Click to
Compare
Click to
Compare
5-Year Return on Average Assets 1.05%
Net Income 27.54M
Net Interest Spread 2.75%
Operating Profit to Average Assets 1.03%
Overhead Efficiency Ratio 65.65%
Return on Assets 0.82%
Return on Equity 7.91%