Founded in 1897 in Archbold, Ohio, Farmers & Merchants State Bank has been a stable financial institution for our communities. F&M is committed to ensure that community banking continues to grow and prosper by providing quality customer service and supplying the financial needs to individuals, farmers, businesses and industries in our market. Banking at F&M is about You&Us. F&M has 30 full-service office locations across Ohio and Indiana with 3 new Loan Production offices recently added in Muncie, Oxford, and West Bloomfield, Michigan to service all of your loan needs. Ohio locations: Archbold, Bowling Green, Bryan, Custar, Defiance, Delta, Findlay, Hicksville, Montpelier, Napoleon, Perrysburg, Stryker, Swanton, Sylvania, Urbana, Waterville, Wauseon, and West Unity. Indiana locations: Angola, Auburn, Berne, Bluffton, Butler, Decatur, Fort Wayne, Geneva, Huntertown, Monroe, Monroeville, Muncie, Ossian, and Portland. Visit a F&M office location near you today! Member FDIC/Equal Housing Lender