Farmers & Merchants Bancshares, Inc. FMBN

FMBN Company Overview

Farmers & Merchants Bancshares, Inc. (FMBN) is a U.S. bank holding company headquartered in Archbold, Ohio, and is the parent company of The Farmers & Merchants State Bank. The company operates in the regional banking industry, providing commercial and retail banking services primarily to individuals, small businesses, agricultural customers, and local commercial enterprises. Its core offerings include deposit accounts, residential and commercial real estate lending, agricultural lending, consumer loans, treasury management services, and digital banking capabilities.

The company’s primary revenue drivers are net interest income generated from lending activities and investment securities, along with non-interest income from service charges and related banking services. FMBN has historically positioned itself as a community-focused financial institution with a strong presence in rural and small metropolitan markets across the Midwest. The organization traces its roots to the founding of The Farmers & Merchants State Bank in 1897, later evolving into a bank holding company structure to support expansion, operational flexibility, and broader financial services capabilities.