The Farmers & Merchants State Bank

Bank

Explore F&M Bank’s personal, business, and agricultural services, including loans, mortgages, and investments. Serving Ohio, Indiana, and Michigan.

BankType
OHHQ

Key Contacts

The Farmers & Merchants State Bank - Main Office

FDIC Financial Overview

$3.4B

Total Assets

$1.4B

CRE Loans

40.1%

CRE Concentration

$139M

Multifamily

$125M

Construction

$1.1B

Commercial RE

+1.3%

Asset Growth (YoY)

1.034413315169105%

ROA

9.32%

ROE

CRE / Total Assets40.1%

Above 300% CRE concentration guidance threshold

Source: FDIC Quarterly Call Reports (20251231)

Lending Programs

Visit fm.bank for current lending programs and rates.

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