Regulatory profile
FDIC certificate #5969 · RSSD 214414
Recent activity
Deterministic, evidence-linked observations only — not a prediction, rating or recommendation. What counts as Notable.
The Farmers & Merchants State Bank changed deposits by -10075 USD thousands and market share by -1.868224 points in DeKalb County, IN
Source ↗The Farmers & Merchants State Bank changed deposits by -6878 USD thousands and market share by -2.162694 points in Jay County, IN
Source ↗The Farmers & Merchants State Bank changed deposits by 4669 USD thousands and market share by -0.848243 points in Adams County, IN
Source ↗The Farmers & Merchants State Bank changed deposits by -7020 USD thousands and market share by -0.272072 points in Hancock County, OH
Source ↗The Farmers & Merchants State Bank changed deposits by -411 USD thousands and market share by -0.007871 points in Butler County, OH
Source ↗Ten-year database
Branch and geographic intelligence
FDIC branch-location snapshot dated 2026-08-22
| Market | State | Locations | Main offices | Earliest establishment |
|---|---|---|---|---|
| Fort Wayne | IN | 4 | 0 | Unavailable |
| Archbold | OH | 3 | 1 | Unavailable |
| Angola | IN | 1 | 0 | Unavailable |
| Auburn | IN | 1 | 0 | Unavailable |
| Berne | IN | 1 | 0 | Unavailable |
| Bluffton | IN | 1 | 0 | Unavailable |
| Butler | IN | 1 | 0 | Unavailable |
| Decatur | IN | 1 | 0 | Unavailable |
| Geneva | IN | 1 | 0 | Unavailable |
| Monroe | IN | 1 | 0 | Unavailable |
| Ossian | IN | 1 | 0 | Unavailable |
| Portland | IN | 1 | 0 | Unavailable |
| Birmingham | MI | 1 | 0 | Unavailable |
| Troy | MI | 1 | 0 | Unavailable |
| Anna | OH | 1 | 0 | Unavailable |
| Bowling Green | OH | 1 | 0 | Unavailable |
| Bryan | OH | 1 | 0 | Unavailable |
| Custar | OH | 1 | 0 | Unavailable |
Ownership, transformations and revisions
NIC relationships are time-bounded. Reviewed filing revisions remain distinct from mergers.
Unresolved entityRSSD 1134630 · 1985-07-31 to current
Unresolved entityRSSD 5975457 · 2023-11-01 to current
2022-10-01RSSD 210779 → 214414 · code 1
2021-10-01RSSD 712273 → 214414 · code 1
2021-05-01RSSD 948643 → 214414 · code 1
2019-01-01RSSD 590949 → 214414 · code 1
2007-12-31RSSD 224749 → 214414 · code 1
No reviewed revisions published.
Latest registered batch · retrieved Aug 27, 2026, 10:51 AM UTC · SHA-256 56519b9e6ae2ada5757ec111f52c6451d5e31d6d47a52fdcf0bf38acf129fcaa · source ↗
| Quarter | Assets | Deposits | Net loans | ROA | ROE | NIM |
|---|---|---|---|---|---|---|
| 2026-06-30 | $3.5B | $2.9B | $2.7B | 1.28% | 11.22% | 3.54% |
| 2026-03-31 | $3.5B | $2.8B | $2.7B | 1.15% | 10.12% | 3.47% |
| 2025-12-31 | $3.4B | $2.7B | $2.7B | 1.03% | 9.32% | 3.38% |
| 2025-09-30 | $3.4B | $2.8B | $2.6B | 0.98% | 8.93% | 3.32% |
| 2025-06-30 | $3.3B | $2.7B | $2.6B | 0.93% | 8.54% | 3.24% |
| 2025-03-31 | $3.4B | $2.7B | $2.6B | 0.88% | 8.14% | 3.11% |
| 2024-12-31 | $3.4B | $2.7B | $2.5B | 0.83% | 7.91% | 2.84% |
| 2024-09-30 | $3.4B | $2.7B | $2.5B | 0.76% | 7.32% | 2.79% |
| 2024-06-30 | $3.3B | $2.6B | $2.5B | 0.73% | 7.08% | 2.77% |
| 2024-03-31 | $3.3B | $2.6B | $2.5B | 0.70% | 6.80% | 2.70% |
| 2023-12-31 | $3.3B | $2.6B | $2.6B | 0.75% | 7.18% | 2.85% |
| 2023-09-30 | $3.2B | $2.6B | $2.5B | 0.76% | 7.28% | 2.90% |
| 2023-06-30 | $3.1B | $2.5B | $2.5B | 0.84% | 7.93% | 3.00% |
| 2023-03-31 | $3.1B | $2.5B | $2.4B | 0.89% | 8.39% | 3.15% |
| 2022-12-31 | $3.0B | $2.5B | $2.3B | 1.21% | 10.89% | 3.49% |
| 2022-09-30 | $2.7B | $2.3B | $2.1B | 1.29% | 11.43% | 3.52% |
| 2022-06-30 | $2.6B | $2.2B | $2.0B | 1.29% | 11.13% | 3.48% |
| 2022-03-31 | $2.7B | $2.3B | $2.0B | 1.28% | 10.73% | 3.32% |
| 2021-12-31 | $2.6B | $2.2B | $1.8B | 1.08% | 9.49% | 3.51% |
| 2021-09-30 | $2.2B | $1.9B | $1.5B | 0.99% | 9.19% | 3.49% |
| 2021-06-30 | $2.1B | $1.9B | $1.5B | 0.93% | 8.60% | 3.35% |
| 2021-03-31 | $2.0B | $1.7B | $1.3B | 0.93% | 8.49% | 3.37% |
| 2020-12-31 | $1.9B | $1.6B | $1.3B | 1.10% | 8.97% | 3.73% |
| 2020-09-30 | $1.8B | $1.5B | $1.4B | 0.99% | 7.93% | 3.71% |
| 2020-06-30 | $1.8B | $1.5B | $1.3B | 1.02% | 8.03% | 3.74% |
| 2020-03-31 | $1.6B | $1.4B | $1.2B | 0.96% | 7.39% | 3.79% |
| 2019-12-31 | $1.6B | $1.3B | $1.2B | 1.22% | 9.49% | 4.06% |
| 2019-09-30 | $1.6B | $1.3B | $1.2B | 1.25% | 9.70% | 4.17% |
| 2019-06-30 | $1.5B | $1.2B | $1.1B | 1.34% | 10.47% | 4.41% |
| 2019-03-31 | $1.4B | $1.2B | $1.1B | 0.96% | 7.70% | 4.37% |
| 2018-12-31 | $1.1B | $0.9B | $0.8B | 1.30% | 12.52% | 3.90% |
| 2018-09-30 | $1.1B | $0.9B | $0.8B | 1.34% | 13.08% | 3.87% |
| 2018-06-30 | $1.1B | $0.9B | $0.8B | 1.37% | 13.45% | 3.85% |
| 2018-03-31 | $1.1B | $1.0B | $0.8B | 1.29% | 12.85% | 3.78% |
| 2017-12-31 | $1.1B | $0.9B | $0.8B | 1.12% | 11.07% | 3.66% |
| 2017-09-30 | $1.1B | $0.9B | $0.8B | 1.10% | 10.81% | 3.62% |
| 2017-06-30 | $1.0B | $0.9B | $0.8B | 1.10% | 10.83% | 3.56% |
| 2017-03-31 | $1.0B | $0.9B | $0.8B | 1.02% | 10.13% | 3.50% |
| 2016-12-31 | $1.0B | $0.8B | $0.8B | 1.07% | 10.42% | 3.56% |
| 2016-09-30 | $1.0B | $0.8B | $0.7B | 1.06% | 10.20% | 3.55% |
| 2016-06-30 | $1.0B | $0.8B | $0.7B | 1.05% | 10.14% | 3.53% |
| Defiance | OH | 1 | 0 | Unavailable |
| Delta | OH | 1 | 0 | Unavailable |
Reviewed NIC structure change on 2022-10-01: RSSD 210779 → 214414 (1). The location count above reflects the current combined network and is not itself a measure of organic branch growth. 5 structure changes are on record for this entity; see History & events for the full list.
Branch locations reflect the latest registered FDIC location release, not real-time openings. Opening/closing attribution to organic growth vs. merger activity remains unavailable beyond the reviewed structure changes noted above. Annual deposit market share by state is available separately, below.
Annual FDIC Summary of Deposits, by state, as of the 2025 snapshot effective 2025-06-30. Deposits and share are as of that retained annual snapshot, not a quarterly balance — do not compare directly to Call Report deposit figures reported elsewhere on this profile.
| State | Deposits | Market share | Rank | Year over year |
|---|---|---|---|---|
| OH | $2B | 0.35% | 22 | Continuing · -0.01 pp |
| IN | $693.5M | 0.33% | 41 | Continuing · +0.00 pp |
| MI | $56.2M | 0.02% | 90 | Continuing · +0.01 pp |
Source: FDIC Summary of Deposits, annual release. Market share divides this institution's reported branch deposits by all retained deposits in the same state for the same year — not a quarterly balance, current rate, or organic-growth attribution. Inspect year-over-year market change →
Workforce history unavailable: no compatible reported FTE or office observation. Missing values are not zero.