Listed locations
39
Institution profile
The Farmers & Merchants State Bank
Identity verified through FDIC; additional sources pendingVerification describes the US Mortgage Index public-source matching process. It is not an endorsement or recommendation. Read the methodology
Public-record data only. Not a recommendation, lender endorsement, or rate comparison. Verify current licensing, product availability, and terms independently.
FDIC BankFind baseline
FDIC-reported identity and institutional fields from the public BankFind record. These values are not described as current or real-time.
- Legal name
- The Farmers & Merchants State Bank
- Display name
- The Farmers & Merchants State Bank
- Institution status
- Active
- FDIC insured
- Yes
- FDIC insured since
- January 1, 1934
- Established date
- April 1, 1897
- Charter class
- State-chartered commercial bank, not a member of the Federal Reserve System (FRS)
- Primary federal regulator
- Federal Deposit Insurance Corporation
- Headquarters
- Archbold, OH, 43502, United States
- Website
- https://www.fm.bank
- FDIC certificate number
- 5969
- Federal Reserve RSSD ID
- 214414
- Domestic location count
- 41
- Source observed
- August 5, 2026
Regulatory profile
Public FFIEC NIC and CRA records for this institution, presented as source-backed regulatory context rather than a score or recommendation.
Regulatory identity
- Institution status
- ACTIVE
- Primary federal regulator
- FDIC
- Institution type
- Non-member Bank
- Primary activity
- NAICS 52211
- FDIC certificate
- 5969
- Federal Reserve RSSD ID
- 214414
- Headquarters
- 307 North Defiance Street, Archbold, OH, 43502, United States
- Primary deposit insurer
- Deposit Insurance Fund (DIF)
- Source observed
- August 19, 2026
Branch network
Showing 1 through 39 of 39 listed locations
Scroll sideways to see every branch column.
| Branch | Address | City | State | Postal code |
|---|---|---|---|---|
| ANGOLA BRANCH | 2310 N. Wayne Street | Angola | IN | 46703 |
| AUBRUN OFFICE - SMALTZ WAY | 406 Smaltz Way | Auburn | IN | 46706 |
| 718 US 27 N OFFICE | 718 US 27 N | Berne | IN | 46711 |
| BLUFFTON IN OFFICE | 111 East Oak Forest Drive | Bluffton | IN | 46714 |
| BUTLER BRANCH | 200 South Broadway | Butler | IN | 46721 |
| 1118 SOUTH 13TH STREET OFFICE | 1118 South 13th Street | Decatur | IN | 46733 |
| FARMERS & MERCHANTS STATE BANK - HUNTERTOWN | 12106 Lima Road | Fort Wayne | IN | 46818 |
| FORT WAYNE DOWNTOWN OFFICE | 128 Wayne St. | Fort Wayne | IN | 46802 |
| ILLINOIS RD FORT WAYNE | 7370 Illinois RD | Fort Wayne | IN | 46804 |
| GENEVA OFFICE | 215 East Line Street | Geneva | IN | 46740 |
| 150 WEST WASHINGTON STREET OFFICE | 150 West Washington Street | Monroe | IN | 46772 |
| OSSIAN | 102 North Jefferson Street | Ossian | IN | 46777 |
| 1451 NORTH MERIDIAN STREET OFFICE | 1451 North Meridian Street | Portland | IN | 47371 |
| BIRMINGHAM OFFICE | 220 Park St, Suite 104 | Birmingham | MI | 48009 |
| TROY MI OFFICE | 3001 W Big Beaver RD Suite 108 | Troy | MI | 48084 |
| ANNA BRANCH | 403 South Pike Street | Anna | OH | 45302 |
| CLYDES WAY DRIVE UP FACILITY | 620 Clydes Way | Archbold | OH | 43502 |
| FARMERS & MERCHANTS STATE BANK - BOWLING GREEN | 1072 N Main ST | Bowling Green | OH | 43402 |
| SOUTHTOWNE BRANCH | 1000 South Main St. | Bryan | OH | 43506 |
| CUSTAR BRANCH | 22973 Defiance Pike | Custar | OH | 43511 |
| DEFIANCE BRANCH | 1175 Hotel Drive | Defiance | OH | 43512 |
| DELTA BRANCH | 101 Main Street | Delta | OH | 43515 |
| FARMERS & MERCHANTS STATE BANK - FINDLAY | 1660 Tiffin Ave | Findlay | OH | 45840 |
| HICKSVILLE OFFICE | 100 North Main Street | Hicksville | OH | 43526 |
| JACKSON CENTER BRANCH | 115 East Pike Street | Jackson Center | OH | 45334 |
| MONTPELIER EASTSIDE BRANCH | 1150 East Main Street | Montpelier | OH | 43543 |
| NAPOLEON BRANCH | 2255 North Scott St. | Napoleon | OH | 43545 |
| OXFORD OFFICE | 335 South College Avenue | Oxford | OH | 45056 |
| PERRYSBURG BRANCH | 7001 Lighthouse Way | Perrysburg | OH | 43551 |
| SIDNEY DRIVE UP | 232 South Ohio Avenue | Sidney | OH | 45365 |
| SIDNEY OHIO OFFICE | 101 E. Court St. | Sidney | OH | 45365 |
| STRYKER BRANCH | 300 South Defiance Street | Stryker | OH | 43557 |
| SWANTON BRANCH | 7 Turtle Creek Circle | Swanton | OH | 43558 |
| FARMERS & MERCHANTS STATE BANK - SYLVANIA OFFICE | 5830 Monroe Street | Sylvania | OH | 43560 |
| TOLEDO DOWNTOWN OFFICE | 120 North Summit Street | Toledo | OH | 43604 |
| URBANA OH OFFICE | 120 N Main Street | Urbana | OH | 43078 |
| WATERVILLE OFFICE | 8720 Waterville-swanton Road | Waterville | OH | 43566 |
| WAUSEON BRANCH | 1130 N. Shoop Avenue | Wauseon | OH | 43567 |
| WEST UNITY BRANCH | 200 West Jackson Street | West Unity | OH | 43570 |
Community Reinvestment Act (CRA)
Latest available CRA evaluation
- Rating
- Satisfactory
- Exam date
- January 1, 2026
- Regulator
- FDIC
- Examination method
- Large Bank Exam
This information reflects Community Reinvestment Act examination ratings reported by the cited official source. It is not a US Mortgage Index rating, recommendation, or assessment of the institution.
CRA evaluations are examination results from the relevant regulatory process and should be interpreted in the context of the examination date and source.
Historical CRA evaluations
Scroll sideways to see every CRA examination column.
| Exam date | CRA rating | Regulator | Examination method |
|---|---|---|---|
| January 1, 2026 | Satisfactory | FDIC | Large Bank Exam |
| April 1, 2024 | Satisfactory | FDIC | Large Bank Exam |
| March 1, 2021 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2018 | Satisfactory | FDIC | Intermediate Small Bank |
| May 1, 2015 | Satisfactory | FDIC | Intermediate Small Bank |
| April 1, 2012 | Satisfactory | FDIC | Large Bank Exam |
| December 5, 2008 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2006 | Satisfactory | FDIC | Large Bank Exam |
| January 1, 2003 | Satisfactory | FDIC | Large Bank Exam |
| October 1, 1999 | Satisfactory | FDIC | Large Bank Exam |
| June 1, 1997 | Outstanding | FDIC | Small Bank |
| October 1, 1995 | Outstanding | FDIC | Not Reported |
| March 1, 1994 | Outstanding | FDIC | Not Reported |
| October 1, 1992 | Outstanding | FDIC | Not Reported |
Institutional history
5 FFIEC NIC history events
Showing 1 through 5 of 5 history events
| Event date | Event type | Related institution |
|---|---|---|
| October 1, 2022 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| October 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| May 1, 2021 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| January 1, 2019 | Charter Discontinued (Merger or Purchase & Assumption) | — |
| December 31, 2007 | Charter Discontinued (Merger or Purchase & Assumption) | — |
These events are shown as reported by the FFIEC NIC source and are not independent legal conclusions.
FFIEC-reported organizational relationships
2 FFIEC NIC relationship records
Showing 1 through 2 of 2 relationship records
| Relationship | Institution | Type | Location |
|---|---|---|---|
| Direct relationship | F&M INSURANCE AGENCY, LLC | Domestic Entity Other | Archbold, OH |
| ROOT_INSTITUTION | FARMERS & MERCHANTS STATE BANK, THE | Non-member Bank | Archbold, OH |
These relationships reflect the FFIEC NIC source display and should not be interpreted as a complete legal ownership analysis.
FFIEC NIC information reflects public regulatory records observed on the displayed source date. Observed dates describe when the public record was reviewed, not a real-time update.
Additional profile fields
Fields below supplement the primary source baseline and are shown only when present on the public profile.
- Entity type
- FDIC-insured state-chartered nonmember bank