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Farmers & Merchants State Bank Archbold, OH

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

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

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated: April 23, 2026

You can compare Farmers & Merchants State Bank Archbold, OH rates to other rates in our database, including 12-month CD rates currently at 4.04%, 6-month CD rates at 3.60% and 3-month CD rates at 0.10%. Savings rates are at 0.10% and money market rates are at 0.75%. Mortgage rates on 30-year fixed loans are around 5.90%. All these rates can be compared to Farmers & Merchants State Bank Archbold, OH rates. 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 were last updated on 04/23/2026.

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.

Overall Health & Safety Grade

Excellent Health Score: 97/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

6.88%

Excellent Higher than avg

Farmers & Merchants State Bank Archbold, OH

307 N Defiance St
Archbold, OH 43502

https://www.fm.bank

Current Rate Availability

We do not have Farmers & Merchants State Bank Archbold, OH rates right now, but we are constantly updating our database so check back often for updated rates.

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 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 & Assets

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 Offices 41

Source: FDIC | Last Updated 12/31/2025

Customer Reviews

RateHunter55

★★★★☆

October 22, 2023

The process to open the account was simple.

Average Rating

★★★★☆

Total Reviews

Add Your Rating and Review for Farmers & Merchants State Bank Archbold, OH

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

Is Farmers & Merchants State Bank Archbold, OH a safe place to deposit money?

Yes, Farmers & Merchants State Bank Archbold, OH is considered a safe financial institution. With a Texas Ratio of 6.8806861374727%, the institution's financial health is rated as excellent. Your accounts are federally insured by the FDIC (Federal Deposit Insurance Corporation) up to $250,000 per depositor, for each account ownership category.

How 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.