Investor Spotlight

Updated: Jul 14

Farmer's & Merchants State Bank



At Home in Ohio

The Farmers & Merchants State Bank has always had a special commitment to the growth of Northwest Ohio since its inception in 1897. The only name change in our history was in 1919, when the founding directors elected to change from a private bank to a state chartered bank. At that time, the name changed from Farmers and Merchants Bank to The Farmers & Merchants State Bank.


The F&M headquarters has always been in Archbold, Fulton County, Ohio. As of today, F&M has 30 full-service office locations and over 34 ATMs located in Fulton, Williams, Henry, Defiance, Lucas, Wood and Hancock counties in Ohio, as well as Adams, Allen, DeKalb, Jay and Steuben Counties in Indiana.

Defiance employees


In April 2021, F&M announced the acquisition of Ossian Financial Services, Inc., adding two offices in Ossian and Bluffton, IN. In October 2021, F&M also completed the acquisition of Perpetual Federal Savings Bank, further expanding the F&M footprint in Urbana, OH and more recently Peoples-Sidney Financial Corporation in Sidney, OH.

F&M continues to serve the financial needs of individuals, farmers, businesses, and industries by offering the traditional banking products, as well as online, mobile and telephone banking products. Our online and mobile products allow access to account information and fund transfers 24 hours a day, seven days a week. With the F&M Mobile App and Digital Services you can access your accounts, check balances, transfer funds, or pay your bills from your smart phone.


Looking Ahead

Through the years, The Farmers & Merchants State Bank has made it our number one goal to be here for you. That will never change. F&M’s commitment is to ensure that community banking continues to grow and prosper by providing quality customer service and effectively supplying the right products to meet the financial needs of individuals, farmers, businesses, and industries within our market area.


At Farmers & Merchants State Bank, we are looking forward not only to the future of F&M, but to the future of our customers as well. F&M has been a stable financial institution for over 125 years, celebrating our anniversary this year.

Working with our communities, F&M will continue on the same successful path as we strategically plan for the future.


Our Mission

We nurture lasting relationships.


Our Vision

Community vested to help people realize their best lives.


For more information on F&M or to join our team visit fm.bank


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