FARMERS & MERCHANTS BANCORP INC
Farmers & Merchants Bancorp, Inc. (NASDAQ: FMNB) operates as a bank holding company providing comprehensive financial services through its primary subsidiary, The Farmers & Merchants State Bank, a community bank serving Northwest Ohio, Northeast Indiana, and Southeast Michigan since 1897. The company maintains its… From the company’s description.
Margins and return on equity change in ; everything else in percent. Fewer shares and less debt are shown plainly, not as bad news — it depends what you make of buybacks. Dotted labels explain each measure. is shown separately from the annual figures.
What FARMERS & MERCHANTS BANCORP INC does
In the company’s own words
Farmers & Merchants Bancorp, Inc. (NASDAQ: FMNB) operates as a bank holding company providing comprehensive financial services through its primary subsidiary, The Farmers & Merchants State Bank, a community bank serving Northwest Ohio, Northeast Indiana, and Southeast Michigan since 1897. The company maintains its website at www.fm.bank.
The Bank engages in general commercial banking and savings activities, offering a diverse loan portfolio that includes commercial, agricultural, residential mortgage, and consumer lending. Agricultural lending represents a significant portion of the portfolio, reflecting the company's deep roots in farming communities where it finances farmland, equipment, livestock, and operating needs. The Bank also provides commercial and industrial loans, home equity products, and consumer credit for vehicles and recreational equipment. The company operates three Loan Production Offices in addition to its branch network and maintains an investment services division, FM Investment Services, which has offered brokerage services since 1999. The Bank formed F&M Insurance Agency, LLC in November 2023 to expand insurance product offerings to customers.
Deposit services include checking and savings accounts, certificates of deposit, and custodial services for Individual Retirement Accounts and Health Savings Accounts. The company provides digital banking capabilities for both retail and business customers, including online bill pay, mobile banking, wire transfers, and remote deposit capture. The Bank participates in secondary mortgage markets through Freddie Mac, Farm Service Agency, and Small Business Lending programs, and offers specialized mortgage products including hybrid loans and low-income homebuyer programs.
As of December 31, 2025, the company employed 474 full-time equivalent employees. The Bank ranked fourth in its primary markets with a 5.14 percent market share based on June 2025 FDIC deposit data. The company operates as a financial holding company regulated by the Federal Reserve, with its subsidiary bank subject to examination by the Ohio Division of Financial Institutions and the Federal Deposit Insurance Corporation. The company maintains membership in the Federal Home Loan Bank of Cincinnati and operates under comprehensive regulatory oversight addressing capital adequacy, liquidity management, consumer protection, and cybersecurity standards.
Company details
- Sector
- Financials
- Industry
- Banks & Brokers
- Headquarters
- ARCHBOLD, OH
- Fiscal year end
- December
- CIK
- 792966
- SIC
- 6035
Financial performance, year by year
Fiscal 2013–2025 · USDThe full income statement, balance sheet and cash flow for each of these years — every figure traceable to its filing — is on the Financials tab with a free account.
Who owns FARMERS & MERCHANTS BANCORP INC — and what changed
Funds as of 2026Q2 · superinvestors as of 2026-06-30
Largest fund holders · FARMERS & MERCHANTS BANCORP INC’s weight in each
Fund ownership is a floor, not a census — pensions, insurers and people holding shares directly are not visible here.
Fund ownership counts N-PORT filers only, so it is a floor rather than a census — pensions, insurers and direct holders are not visible here, and the remainder is not “held by individuals”.
Could not be determined for this company: bond issues.
Every fund and institutional holder, quarter by quarter, is on the Ownership tab with a free account.
Recent filings
All filings →Each filing opens into its own statements and disclosures here.
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