Farmers & Merchants State Bank

Farmers & Merchants State Bank is a community bank that has served the financial needs of farmers, businesses and individuals in northwest Ohio and northeast Indiana markets for over 112 years.  With a wide array of financial products and services; F&M offers local decisions to promptly respond to your business or personal needs. Headquartered in Archbold, Ohio, F&M now operates 18 offices and over 30 ATM locations our Ohio and Indiana markets

Community banks are experiencing challenging times. In general community banks were not involved with all the things that the national media tends to focus on.  Specifically, F&M did not make sub prime real estate mortgage loans, we are not investment bankers, we do not have liquidity problems, we did not own Freddie Mac or Fannie Mae stock, we are not experiencing a credit crisis and we did not take the governments money through their Capital Purchase Plan that was part of the Troubled Asset Recovery Program (TARP).  The government does not have a preferred stock position ahead of our shareholders!

 Even though F&M is substantially different today than it was 100, 20, 10 or even 5 years ago, one thing that has never changed through the tremendous growth F&M experienced over the years is that it continues to focus on our communities. It is F&M's commitment to insure that community banking continues to grow and prosper by providing quality customer service and adequately fulfilling the financial needs of the individuals, farmers, businesses, and industries in our market area ....just another way F&M is making it Easy to be Smart with your Money!

Stop by our Angola location at 2310 N. Wayne Street behind Ruby Tuesday 260.624.2108 or visit www.fm-bank.com.