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.
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