The TellerScore is our own summary of the figures this institution reports publicly; it is not issued or endorsed by any government agency. It is not a prediction, and deposits within insurance limits are protected either way.

From Q2 2025 to Q2 2026, the score rose 5 points (66 → 71), mostly because the earnings component improved by 15 points.

Percentile against banks of similar size nationwide (100th = best among peers; for ratios where lower is better, the scale is flipped).

Similar-size banks in Indiana

Yes. Farmers and Merchants Bank is an FDIC-insured institution (FDIC certificate #13801). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 46.7% of deposits ($130.6M) are above the $250,000 FDIC insurance limit, above the peer median of 24%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.05%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 0.00% (benchmark: 10%).

Check how much of your own balance is covered

Farmers and Merchants Bank lists 4 offices in 4 cities. Most locations:

• Churubusco, IN (1)
• Huntertown, IN (1)
• Kendallville, IN (1)
• Laotto, IN (1)

All branch addresses and map

In 2025, Farmers and Merchants Bank reported 77 home-loan applications under HMDA (LEI 549300A6T9G3QXH9KZ27): 67 originated ($14,665,000 total), 4 denied, and 1 withdrawn or closed by the applicant. Its denial rate on decided applications was 5.3%, compared with 22.2% for all lenders nationwide.

Denial rates depend heavily on loan type and applicant mix and are not a measure of fairness or of your own odds.

Legal name

Farmers and Merchants Bank

Type

State-chartered bank

FDIC certificate #

13801

RSSD ID

372640

Primary regulator

FDIC

Holding company

Fm Fincorp

Established

October 29, 1914

Headquarters

6464 Merchants Dr, Laotto, IN 46763

Website

www.fmfbank.com

Employees

28