Total Assets
$3.5B
Total Deposits
$2.9B
Branches
41
Established
1897
The Farmers & Merchants State Bank is a bank headquartered in Archbold, Ohio, established in 1897. It holds $3.5B in total assets across 41 branch locations. In our editorial opinion, based on public FDIC/NCUA data, The Farmers & Merchants State Bank earns a TFS Financial Health Grade of B+ (81.0/100) — our editorial assessment, not an official rating or financial advice.
TFS Health Grade
81.0 / 100
Good financial health
How we gradeTFS Health Grades are our editorial opinion based on public FDIC/NCUA data — not an official rating, not financial advice.
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Financial data through June 30, 2026. Updated by TFS August 28, 2026. Data sourced from FDIC BankFind Suite as of 2026-Q2. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from CFPB Consumer Complaint Database. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
| Branch | Address | City | State | Type |
|---|---|---|---|---|
| The Farmers & Merchants State BankHQ | 307 N Defiance St | Archbold | OH | 11 |
| The Farmers & Merchants State Bank | 2310 N Wayne St | Angola | IN | 11 |
| The Farmers & Merchants State Bank | 406 Smaltz Way | Auburn | IN | 11 |
| The Farmers & Merchants State Bank | 100 Ushy 27 N | Berne | IN | 11 |
| The Farmers & Merchants State Bank | 111 Oak Forest Dr | Bluffton | IN | 11 |
| The Farmers & Merchants State Bank | 200 S Broadway St | Butler | IN | 11 |
| The Farmers & Merchants State Bank | 1118 S 13th St | Decatur | IN | 11 |
| The Farmers & Merchants State Bank | 5909 Bluffton Rd | Fort Wayne | IN | 24 |
| The Farmers & Merchants State Bank | 12106 Lima Rd | Fort Wayne | IN | 11 |
| The Farmers & Merchants State Bank | 128 West Wayne St. | Fort Wayne | IN | 11 |
| The Farmers & Merchants State Bank | 7370 Illinois Rd | Fort Wayne | IN | 11 |
| The Farmers & Merchants State Bank | 215 E Line St | Geneva | IN | 11 |
| The Farmers & Merchants State Bank | 150 W Washington St | Monroe | IN | 11 |
| The Farmers & Merchants State Bank | 102 N Jefferson St | Ossian | IN | 11 |
| The Farmers & Merchants State Bank | 1451 N Meridian St | Portland | IN | 11 |
| The Farmers & Merchants State Bank | 220 Park Street | Birmingham | MI | 11 |
| The Farmers & Merchants State Bank | 3001 W Big Beaver Rd | Troy | MI | 11 |
| The Farmers & Merchants State Bank | 403 S Pike St | Anna | OH | 11 |
| The Farmers & Merchants State Bank | 620 S Clydes Way | Archbold | OH | 23 |
| The Farmers & Merchants State Bank | 620 S Clydes Way | Archbold | OH | 23 |
| The Farmers & Merchants State Bank | 1072 N Main St | Bowling Green | OH | 11 |
| The Farmers & Merchants State Bank | 1000 S Main St | Bryan | OH | 11 |
| The Farmers & Merchants State Bank | 22973 Defiance Pike | Custar | OH | 11 |
| The Farmers & Merchants State Bank | 1175 Hotel Dr | Defiance | OH | 11 |
| The Farmers & Merchants State Bank | 101 Main St | Delta | OH | 11 |
| The Farmers & Merchants State Bank | 1660 Tiffin Ave | Findlay | OH | 11 |
| The Farmers & Merchants State Bank | 100 N Main St | Hicksville | OH | 11 |
| The Farmers & Merchants State Bank | 115 E Pike St | Jackson Center | OH | 11 |
| The Farmers & Merchants State Bank | 1150 E Main St | Montpelier | OH | 11 |
| The Farmers & Merchants State Bank | 2255 Scott St | Napoleon | OH | 11 |
| The Farmers & Merchants State Bank | 335 South College Avenue | Oxford | OH | 11 |
| The Farmers & Merchants State Bank | 7001 Lighthouse Way | Perrysburg | OH | 11 |
| The Farmers & Merchants State Bank | 101 E Court St | Sidney | OH | 11 |
| The Farmers & Merchants State Bank | 300 South Defiance Street | Stryker | OH | 11 |
| The Farmers & Merchants State Bank | 7 Turtle Creek Cir | Swanton | OH | 11 |
| The Farmers & Merchants State Bank | 5830 Monroe St | Sylvania | OH | 11 |
| The Farmers & Merchants State Bank | 120 N Summit St. | Toledo | OH | 11 |
| The Farmers & Merchants State Bank | 120 N Main St | Urbana | OH | 11 |
| The Farmers & Merchants State Bank | 8720 Waterville Swanton Rd | Waterville | OH | 11 |
| The Farmers & Merchants State Bank | 1130 N Shoop Ave | Wauseon | OH | 11 |
| The Farmers & Merchants State Bank | 200 W Jackson St | West Unity | OH | 11 |
Data sourced from FDIC BankFind Suite. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
Data sourced from FDIC Enforcement Decisions and Orders / NCUA. This data is provided by the federal government and is believed to be accurate, but TheFinanceSection.com cannot guarantee its completeness or timeliness.
TFS Financial Health Grades represent our editorial assessment based on publicly available data and our proprietary methodology. They do not represent financial advice or an official government rating. Data on this page is sourced from federal government databases and is believed to be accurate.
Benchmarked against 60 active, federally insured banks reporting in the same quarter and holding roughly 0.5×–2× its assets. Same-state and overlapping-market peers are prioritized.
TFS health score
81.0
Tier 1 capital ratio
9.44%
Return on assets
1.28%
Non-performing loans
0.27%
Efficiency ratio
55.51%
Asset growth (YoY)
4.61%
Suggested direct comparisons
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Complaint percentiles are intentionally withheld while TFS audits CFPB company matching and import coverage. Peer conclusions use complete same-quarter regulatory metrics only.