FARMERS & MERCHANTS BANCORP INC

Farmers & Merchants Bancorp, Inc. operates as the holding company for The Farmers & Merchants State Bank, a regional financial institution serving individuals and small businesses across Northwest Ohio, Northeast Indiana, and Southeast Michigan. The bank provides a range of deposit products including checking, savings, and time deposit accounts, certificates of deposit, and custodial services for individual retirement and health savings accounts. The company also offers automated teller machine and interactive teller machine services, along with digital banking channels including online and mobile banking, bill-pay functionality, remote deposit capture, and electronic transaction services such as wire transfers and automated clearing house file transmittal.

Lending represents a substantial portion of the company's operations, with product offerings spanning commercial, agricultural, and residential mortgage loans as well as consumer lending. The agricultural lending portfolio includes financing for farm land, farm equipment, livestock, and operating needs such as seeds, fertilizers, and feeds. The company also originates commercial real estate loans, home improvement loans, and consumer credit for automobiles, trucks, recreational vehicles, and motorcycles, along with lines of credit and machinery purchase financing for commercial customers.

Founded in 1897 and headquartered in Archbold, Ohio, the company maintains a community bank focus within its regional operating territory. The organization has a market capitalization of approximately $0.4 billion and maintains a dividend yield of 3.27 percent.