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 3 points (67 → 70), mostly because the earnings component improved by 14 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 Ohio

Yes. The Farmers & Merchants State Bank is an FDIC-insured institution (FDIC certificate #5969). Deposits are insured up to $250,000 per depositor, per insured bank, for each account ownership category.

An estimated 11.1% of deposits ($318.7M) are above the $250,000 FDIC insurance limit, below the peer median of 31%. Insured balances are protected regardless of the score.

The tier 1 leverage ratio is 9.44%, above the 5% level regulators use as the "well capitalized" benchmark for this measure. Its total risk-based capital ratio is 12.91% (benchmark: 10%).

Check how much of your own balance is covered

The Farmers & Merchants State Bank lists 37 offices in 35 cities across 3 states. Most locations:

• Fort Wayne, IN (3)
• Angola, IN (1)
• Anna, OH (1)
• Archbold, OH (1)
• Auburn, IN (1)
• Berne, IN (1)
• Birmingham, MI (1)
• Bluffton, IN (1)
• Bowling Green, OH (1)
• Bryan, OH (1)
• Butler, IN (1)
• Decatur, IN (1)

All branch addresses and map

Legal name

The Farmers & Merchants State Bank

Type

State-chartered bank

FDIC certificate #

5969

RSSD ID

214414

Primary regulator

FDIC

Holding company

Farmers&merchants Bcorp Inc

Established

April 1, 1897

Headquarters

307 N Defiance St, Archbold, OH 43502

Website

www.fm.bank

Employees

477