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