Farmers & Merchants Bancorp, Inc. provides commercial banking, retail banking, and other financial services to individuals and small businesses in Northwest Ohio and Northeast Indiana. The company offers checking accounts; savings and time deposits, including certificates of deposits; and custody services for individual retirement accounts and health savings accounts. It also provides commercial, agricultural, and residential mortgage, as well as consumer and credit card lending services; loans for farm land, farm equipment, and livestock; operating loans for seeds, fertilizers, and feeds; home improvements loans; and loans for autos, trucks, recreational vehicles, and motorcycles.