🏦Bank Scorer

THE FARMERS & MERCHANTS STATE BANK

ARCHBOLD, OH · Supervised by FDIC

Est. 1897FDIC #5,969RSSD: FDIC-5969
Part ofFARMERS&MERCHANTS BCORP INC→ View all charters
Satisfactory Same

Current rating · Exam: January 2026

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At a Glance

Community Lending (CRA)

Satisfactory

Meets federal requirements for community lending

Financial Health

Adequate

ROA 1.15%

Institution Profile

FDIC BankFind

Address

307 N Defiance St, ARCHBOLD, OH

County

Fulton County

Established

April 1, 1897

Total Assets

$3.5B(latest call report)

Community Reinvestment Rating

CRA / FFIEC

Federal regulators examine banks to ensure they lend and invest in the communities they serve, especially low- and moderate-income areas.

Overall Rating

Satisfactory

Meets federal requirements for community lending

Exam Date

January 1, 2026

Exam Type

Large Bank

Regulator

FDIC
What is a CRA rating? →
Estimated next exam:Jan 2030(based on asset size)

Financial Snapshot

As of Q1 2026Call Report / FDIC

Total Assets

$3.5B

Total Deposits

$2.8B

Net Loans

$2.7B

Net Income

$10M

ROA

1.15%

ROE

10.12%

Risk-Based Capital

12.81%

Regulatory minimum: 8%

Total Assets — Last 8 Quarters

Total AssetsROA

Branch Footprint

FDIC SOD 2025

Total Branches

39

Branch Deposits

$2.7B

1-Year Change

0

5-year net change: +9 branches

Rating History

CRA / FFIEC

Rating Trend

→ Stable

Based on last 3 exams

13 previous ratings locked — dating back to 1992

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Rating Over Time

🔒 Locked
OutstandingSatisfactoryNeeds to ImproveSubst. Noncompliance

Exam dates and details are paywalled

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