About Us

Since 1897...

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. F&M began expanding its presence in Fulton County in 1973 by opening a full service office on North Shoop Avenue in Wauseon, Ohio. By the end of the 1980s, F&M had four full service offices in Fulton County.


Expansion of the Bank into Williams County began in 1981, with the opening of the Stryker and West Unity offices. By the end of the 1986, F&M had five offices in Fulton County and three offices in Williams County. F&M further expanded in the 1990s by opening an office in Henry County. During 2001, F&M opened an office in Defiance County, and in 2003 we opened our Operations Center in Fulton County.


Today...

F&M has 22 offices and over 36 ATMs located in Fulton, Williams, Henry, Defiance, Lucas, and Wood counties in Ohio, as well as DeKalb and Steuben Counties in Indiana. Toward the end of 2007, F&M opened a new office in Perrysburg and expanded into Indiana with offices in Butler and Auburn. In August 2008, F&M opened a new full service office in Angola, Indiana. In July of 2010, F&M expanded into Hicksville, Ohio. Our Waterville, OH office opened in May of 2013 and F&M expanded into Custar, OH in December of 2013. In August of 2014, we opened an office in Sylvania, OH.


F&M continues to serve the financial needs of individuals, farmers, businesses, and industries by offering the traditional banking products, as well as internet and telephone banking products. Our online and mobile products along with our EZ Access Line allow access to account information and fund transfers 24 hours a day, seven days a week.


Into the Future...

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 117 years and that will not change!


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