FARMERS&MERCHANTS BCORP INC is the parent banking group. THE FARMERS & MERCHANTS STATE BANK is the primary bank charter regulated by the FDIC. CRA exams are conducted at the charter level, not the group level.

FHD

FARMERS&MERCHANTS BCORP INC

Legal name: FARMERS & MERCHANTS BANCORP, INC.

1 active bank · $3.5B combined assets

RSSD ID: 1134630 (FFIEC NIC)

Combined Assets

$3.5B

CRA Rating Summary

Satisfactory1charter

Across all 14 exams on record for this banking group's charters, 100% resulted in Outstanding or Satisfactory.

Primary bankTHE FARMERS & MERCHANTS STATE BANKARCHBOLD, OHSatisfactory$3.5BView profile →

At a Glance

Dominant CRA Rating

Satisfactory

1 of 1 bank · Meets expectations for community lending

Combined Assets

$3.5B

1 active bank

Financial Summary

FDIC Call Reports

Aggregated from the most recent call report filings for all active charters.

Total Deposits

$2.8B

Net Income

$10M

ROA (avg)

1.15%

asset-weighted avg

Mortgage Lending (HMDA)

CFPB · 2023Lender rankings →

Aggregated HMDA data across all active charters for 2023.

Applications

1,507

Origination Rate

77.57%

Denial Rate

13.14%

Active Bank Charters1

Each charter is examined independently for CRA compliance.

Charter	Location	Regulator	Assets	Ownership	Current Rating	Exam Date
THE FARMERS & MERCHANTS STATE BANK	ARCHBOLD, OH	FDIC	$3.5B	100.0%	Satisfactory	Jan 2026

CRA (Community Reinvestment Act) exams are conducted per charter, not per banking group. Asset figures are from the most recent FDIC call report.