Farmers & Merchants Bancorp is a bank holding company operating an independent community bank serving Northwest Ohio, Northeast Indiana, and Southeast Michigan since 1897. The bank provides comprehensive financial services including agricultural, commercial, residential, and consumer lending through a diversified portfolio; deposit products such as checking, savings, and certificates of deposit; online and mobile banking; investment advisory services through a brokerage operation; and insurance products. The company generates revenue primarily from net interest income on loans and deposits, supplemented by investment advisory fees, insurance agency revenues, and service fees, competing with larger regional and national institutions primarily on the basis of interest rates, location, and service quality.