FARMERS & MERCHANTS STATE BANK, THE

ARCHBOLD, OH | Large | Est. April 1, 1897, midnight | FDIC #5969 | RSSD #214414 | FDIC
Latest Report: 2025-12-31

FARMERS & MERCHANTS STATE BANK, THE is aln large FDIC-insured commercial bank headquartered in ARCHBOLD, OH, established in April 1, 1897, midnight. As of 2025-12-31, the bank reported total assets of $3.4B and total deposits of $2.7B. Profitability stands at 1.19% ROA and 10.43% ROE, with a net interest margin of 3.57%. The bank's CET1 capital ratio is 11.51%, well above the regulatory minimum. Asset quality metrics show a non-performing loan ratio of 0.41% and a Texas Ratio of 2.68%. FDIC Certificate #5969.

Assets

$3.4B

Deposits

$2.7B

Loans

$2.7B

Equity

$393M

Profitability

Return on Assets (ROA) 1.19%
Return on Equity (ROE) 10.43%
Net Interest Margin (NIM) 3.57%
Yield on Assets 5.68%
Cost of Funds 3.01%

Asset Quality

NPL Ratio 0.41%
Net Charge-Off Ratio 0.03%
Texas Ratio 2.68%
NPA Ratio 0.33%
ACL / Loans 1.02%

Capital & Liquidity

CET1 Ratio 11.51%
Tier 1 Capital 11.51%
Total Capital Ratio 12.53%
Leverage Ratio 9.47%
Loan-to-Deposit 99.36%

This is just the summary

The full dashboard covers 4,313 currently filing institutions with CAMELS analytics, peer benchmarks, and exportable tearsheets.

24+ years of history
Excel tearsheet exports
Peer benchmarking
Risk & failure probability
Create Free Account

No credit card required