B
The Farmers & Merchants State Bank
Rating Date
August 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 3.20
Profitability Index 5.50
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 4.61%
5-Year Asset Growth 16.37%
5-Year Charge-Offs to Average Loans 0.03%
Charge-Offs to Average Loans 0.02%
Non-Performing Assets to Assets 0.21%
Non-Performing Loans to Capital 2.10%
Non-Performing Loans to Loans 0.27%
Balance Sheet The Farmers & Merchants State Bank
Archbold, OH
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Total Assets 3.49B
Total Deposits 2.87B
Capital and Reserves The Farmers & Merchants State Bank
Archbold, OH
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Capital 400.81M
Leverage Ratio 9.44
Loan Loss Reserves to Loans 1.03%
Risk-Based Capital Ratio 12.91
Liquidity The Farmers & Merchants State Bank
Archbold, OH
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Hot Money Ratio 15.35%
Liquidity Ratio 10.09%
Profitability The Farmers & Merchants State Bank
Archbold, OH
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5-Year Return on Average Assets 0.97%
Net Income 22.22M
Net Interest Spread 3.49%
Operating Profit to Average Assets 1.62%
Overhead Efficiency Ratio 56.42%
Return on Assets 1.28%
Return on Equity 11.23%