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 Farmers & Merchants State Bank Archbold, OH Rates & Review August 2026
Content reviewed by
Brian McKay
Brian McKayFounder & Data ArchitectExpertise
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
✓Fact Checked
Rates Last Updated and Verified: August 28, 2026
Farmers & Merchants State Bank Archbold, OH's 12-Month Fixed IRA rates are at 3.50%, 18-Month CD Special rates are at 3.50%, 26-Month Fixed IRA rates are at 3.50%, 27-Month CD Special rates are at 3.50%, 36-Month CD Special rates are at 3.50%. Farmers & Merchants State Bank Archbold, OH's savings rates are at 0.97%. MonitorBankRates evaluates the financial stability of Farmers & Merchants State Bank Archbold, OH with a 5.0 Star Rating, an A Overall Health Grade, and a Texas Ratio of 6.88%. Rates last updated and verified on 08/28/2026. Farmers & Merchants State Bank Archbold, OH money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Farmers & Merchants State Bank Archbold, OH? Share your experience about Farmers & Merchants State Bank Archbold, OH by leaving a review below, or read customer reviews before you decide to use Farmers & Merchants State Bank Archbold, OH. 
Farmers & Merchants State Bank Archbold, OH CD Rates
Farmers & Merchants State Bank Archbold, OH Savings Rates
Farmers & Merchants State Bank Archbold, OH Checking Rates
Methodology & Data SourcesMonitorBankRates Star Rating: Our rating for Farmers & Merchants State Bank Archbold, OH is derived from comprehensive financial data published quarterly by the FDIC. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with customer feedback (user reviews) to help you make informed banking decisions. Texas Ratio: We calculate the Texas Ratio using standard industry methodology. This ratio compares the bank's non-performing assets to its tangible common equity and loan loss reserves to assess financial health. Rate Data Aggregation: We gather Farmers & Merchants State Bank Archbold, OH rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.
Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions.
It is always advisable to check with Farmers & Merchants State Bank Archbold, OH's official website for the most current offers and terms.
Bank Profile & Overview
Institution Name
Farmers & Merchants State Bank Archbold, OH
Bank Holding Company
FARMERS&MERCHANTS BCORP INC
Address
307 N Defiance St,
Archbold, OH 43502 · Fulton
Website
https://www.fm.bank
FDIC Certificate #
5969
Established
04/01/1897
FDIC Insurance Date
01/01/1934
Domestic Offices
41
Total Branches
41
Regulator
FDIC
FDIC Insured
✓ Yes — Up to $250,000
Financial Health & AssetsA
Overall Health Grade
Score: 97/100
5.0
Exceptional
Out of 5.0 Stars
6.88%
Texas Ratio
Nat'l avg: 5.85%
Return on Assets (ROA)
0.7614%
Return on Equity (ROE)
7.2800%
Non-Performing Loans (NPL)
0.66%
Total Assets
$3,426,287,000
Total Deposits
$2,735,120,000
Equity Capital
$392,654,000
Net Income
$34,928,000
Headquarters
Archbold
Total Branches and Offices
41
Source: FDIC | Last Updated 12/31/2025
Customer ReviewsRateHunter55
October 22, 2023
The process to open the account was simple.
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Frequently Asked Questions About Farmers & Merchants State Bank Archbold, OHHow many branches does Farmers & Merchants State Bank Archbold, OH operate?Farmers & Merchants State Bank Archbold, OH currently maintains approximately 41 branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes. Is there a first-time homebuyer program?Currently, Farmers & Merchants State Bank Archbold, OH does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing. Are credit management and repair services offered?While formal credit repair services are not currently listed, Farmers & Merchants State Bank Archbold, OH provides members with tools to manage their accounts and build a solid financial history. Does Farmers & Merchants State Bank Archbold, OH offer online and mobile banking?Most modern institutions like Farmers & Merchants State Bank Archbold, OH provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.fm.bank. Current Farmers & Merchants State Bank Archbold, OH Rates
Retrieved from our database of financial products. Rates subject to change.
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