BanksFARMERS & MERCHANTS STATE BANK, THE

FARMERS & MERCHANTS STATE BANK, THE

ARCHBOLD, OHLargeEst. April 1, 1897, midnightFDIC #5969RSSD #214414FDIC
Latest · 2025-12-31

FARMERS & MERCHANTS STATE BANK, THE is an 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%. CET1 capital ratio: 11.51%, well above regulatory minimums. NPL ratio: 0.41% · Texas Ratio: 2.68%. Operates 39 domestic branches.

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 Margin3.57%
Yield on Assets5.68%
Cost of Funds2.24%

Asset Quality

NPL Ratio0.41%
Net Charge-Off Ratio0.03%
Texas Ratio2.68%
NPA Ratio0.33%
ACL / Loans1.02%

Capital & Liquidity

CET1 Ratio11.51%
Tier 1 Capital11.51%
Total Capital Ratio12.53%
Leverage Ratio9.47%
Loan-to-Deposit99.36%

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