Farmers & Merchants State Bank


F&M has 33 full-service office locations and over 52 ATMs located in Champaign, Fulton, Williams, Henry, Defiance, Lucas, Shelby, Wood and Hancock counties in Ohio, as well as Adams, Allen, DeKalb, Jay 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, Ohio 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. 2016 brought even more exciting changes to F&M. We opened our Huntertown Office in Fort Wayne, Indiana, our 24th office in Bowling Green, Ohio and in 2018 our 25th office in Findlay, Ohio.

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.

HSA Program Features

FDIC or NCUA Insured:
Min Balance to Open:
  • Debit Card

HSA Interest Rates

Interest rates are unknown at this time


Monthly Maintenance Fee $3.00*
Account Opening Fee Unknown
Account Closing Fee Unknown

* Waived with Online Statement or $5,000 balance

HSA Investment Options

Mutual Fund Platform: close   Self-Directed Brokerage: close   CDs: close   Other: close

Contact Information

General Information

Address 307 N. Defiance Street
Archbold, OH 43502

Customer Service

Phone Number 419-446-4817