B
The Farmers & Merchants State Bank
Rating Date
October 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
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Rating B
Asset Quality Index 7.60
Capitalization Index 7.60
Liquidity Index 3.20
Profitability Index 4.70
Stability Index 9.00
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 0.02%
5-Year Asset Growth 22.42%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.15%
Non-Performing Loans to Capital 1.55%
Non-Performing Loans to Loans 0.20%
Balance Sheet The Farmers & Merchants State Bank
Archbold, OH
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Total Assets 3.38B
Total Deposits 2.76B
Capital and Reserves The Farmers & Merchants State Bank
Archbold, OH
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Capital 383.92M
Leverage Ratio 9.41
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 12.55
Liquidity The Farmers & Merchants State Bank
Archbold, OH
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Hot Money Ratio 14.02%
Liquidity Ratio 8.94%
Profitability The Farmers & Merchants State Bank
Archbold, OH
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5-Year Return on Average Assets 0.99%
Net Income 24.81M
Net Interest Spread 3.28%
Operating Profit to Average Assets 1.24%
Overhead Efficiency Ratio 62.93%
Return on Assets 0.98%
Return on Equity 8.93%