What are the current interest rates at Farmers & Merchants State Bank Archbold, OH?

Current rates for Farmers & Merchants State Bank Archbold, OH include: 12-Month CD: 3.50%, 18-Month CD: 3.50%, 36-Month CD: 3.50%, Savings: 0.92%

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Farmers & Merchants State Bank Archbold, OH

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Farmers & Merchants State Bank Archbold, OH Rates & Review September 2026

Item: Farmers & Merchants State Bank Archbold, OH
Rating: 4
Author: RateHunter55

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: September 18, 2026

Farmers & Merchants State Bank Archbold, OH's 12-Month Fixed IRA rates are at 3.50%, 18-Months 18-Month CD Special rates are at 3.50%, 26-Month Fixed IRA rates are at 3.50%, 27-Months 27-Month CD Special rates are at 3.50%, 36-Months 36-Month CD Special rates are at 3.50%. Farmers & Merchants State Bank Archbold, OH's savings rates are at 0.92%. 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 1.84%. Rates last updated and verified on 09/18/2026.

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.

Verified Healthy 2026 Use This Badge on Your Bank Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.84%

Excellent Lower than avg

Health Trend

Improving 12 quarters

Full history ›

Farmers & Merchants State Bank Archbold, OH

307 N Defiance St
Archbold, OH 43502

https://www.fm.bank

Farmers & Merchants State Bank Archbold, OH CD Rates

Product	Rate	APY	Term
12 Month Fixed IRA	-	3.50%	12 Month Fixed IRA
Min Balance $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
18-Month CD Special	-	3.50%	18 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
26 Month Fixed IRA	-	3.50%	26 Month Fixed IRA
Min Balance $2,500 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
27-Month CD Special	-	3.50%	27 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
36-Month CD Special	-	3.50%	36 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
9-Month CD Special	-	3.50%	9 months
Min Deposit $1,000 Min Balance $1,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Farmers & Merchants State Bank Archbold, OH Savings Rates

Product	Rate	APY
DIRECT SAVINGS	1.45%	1.46%
Min Balance $500,000 Details Balance: $500,000.00 and over Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Direct Savings	1.35%	1.36%
Min Deposit $1,000 Min Balance $500,000 Details Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be paid on your daily account balance as follows: If your daily balance is $500,000.00 or greater, the interest rate paid on the entire balance will be 1.35% with an APY of 1.36%. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household. Rev. 9/26 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
DIRECT SAVINGS	1.33%	1.34%
Min Balance $250,000 Details Balance: $250,000.00 - $499,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Direct Savings	1.23%	1.24%
Min Deposit $1,000 Min Balance $250,000 Details Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be paid on your daily account balance as follows: If your daily balance is $250,000.00-$499,999.99, the interest rate paid on the entire balance will be 1.23% with an APY of 1.24%. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household. Rev. 9/26 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
DIRECT SAVINGS	1.12%	1.13%
Min Balance $100,000 Details Balance: $100,000.00 - $249,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
DIRECT SAVINGS	1.02%	1.03%
Min Balance $0 Details Balance: $0 - $99,999.99 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
Direct Savings	0.92%	0.92%
Min Deposit $1,000 Min Balance $100,000 Details Direct Savings only available for new customers or deposits of new funds not currently held with F&M Bank. Interest will be compounded every day. Interest will be credited to your account every quarter. A $3.00 monthly service charge will be charged if a $300.00 minimum balance is not maintained each day during the month. This fee will be assessed on the last business day of the month. Fees may reduce earnings. Limit one (1) Direct Savings account per household. Rev. 9/26 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Farmers & Merchants State Bank Archbold, OH Checking Rates

Product	Rate	APY
LOYALTY REWARDS CHECKING	4.94%	5.05%
Details Qualifications Required: eStatement and three of the qualifiers are met in the monthly statement cycle; Balance: Tier 3 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
LOYALTY REWARDS CHECKING	0.17%	0.17%
Details Qualifications Required: eStatement and two of the qualifiers are met in the monthly statement cycle; Balance: Tier 2 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
LOYALTY REWARDS CHECKING	0.02%	0.02%
Details Qualifications Required: eStatement and one qualifier is met in the monthly statement cycle; Balance: Tier 1 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
LOYALTY REWARDS CHECKING	0.01%	0.01%
Min Balance $25,000 Details If no qualifiers are met and/or balance is above $25,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Farmers & Merchants State Bank Archbold, OH Other Rates

Product	Rate	Points	APY/APR
CD SPECIALS	-	-	3.50%
Min Balance $1,000 Details Maximum balance: No maximum balance Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%
IRA Certificates	-	-	3.50%
Min Balance $2,500 Details Maximum Balance: $250,000 Last Updated 09/18/2026 Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.84%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Farmers & Merchants State Bank Archbold, OH’s Texas Ratio fell from 6.88% in Q3 2023 to 1.84% in Q2 2026, so its financial health has improved and is now very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0 and its Health Grade from A to A+. Lower Texas Ratios are healthier; the green zone below the amber 15% line is where a bank must stay to qualify for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade15% Verified Healthy limit (green zone below = healthy)

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$3.5B	1.84%	5.0	A+
March 31, 2026	$3.5B	2.88%	5.0	A+
December 31, 2025	$3.4B	2.87%	5.0	A+
September 30, 2025	$3.4B	1.34%	5.0	A+
June 30, 2025	$3.3B	1.00%	5.0	A+
March 31, 2025	$3.4B	1.22%	5.0	A+
December 31, 2024	$3.4B	0.87%	5.0	A+
September 30, 2024	$3.4B	0.81%	5.0	A+
June 30, 2024	$3.3B	0.72%	5.0	A+
March 31, 2024	$3.3B	5.70%	5.0	A+
December 31, 2023	$3.3B	6.60%	5.0	A
September 30, 2023	$3.2B	6.88%	5.0	A

Source: FDIC call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates 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 18970401

FDIC Insurance Date 19340101

Domestic Offices 41

Total Branches 39

Regulator FDIC

FDIC Insured ✓ Yes — Up to $250,000

Financial Health & Assets

A+

Overall Health Grade Score: 99/100

5.0

Exceptional Out of 5.0 Stars

1.84%

Texas Ratio Nat'l avg: 5.85%

Return on Assets (ROA) 1.2826%

Return on Equity (ROE) 11.2200%

Non-Performing Loans (NPL) 0.21%

Total Assets $3,490,494,000

Total Deposits $2,873,662,000

Equity Capital $400,811,000

Net Income $22,224,000

Headquarters Archbold

Total Branches and Offices 41

Source: FDIC | Last Updated 06/30/2026

2026 MBR Health & Safety Badge

Farmers & Merchants State Bank Archbold, OH earned the Verified Healthy badge

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Customer Reviews

RateHunter55

★★★★☆

October 22, 2023

The process to open the account was simple.

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Frequently Asked Questions About Farmers & Merchants State Bank Archbold, OH

How many branches does Farmers & Merchants State Bank Archbold, OH operate?

Farmers & Merchants State Bank Archbold, OH currently maintains approximately 39 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.