![]() ![]() Our locations are in Fulton, Defiance, Hancock, Henry, Lucas, Williams, and Wood counties in Northwest Ohio. The Farmers & Merchants State Bank provides commercial banking, retail banking and other financial services through its 30 offices. The Farmers & Merchants State Bank is a local independent community bank that has been serving Northwest Ohio and Northeast Indiana since 1897. Shalini will be relocating with her family to the Toledo, Ohio area. She is passionate about technology, reads daily and participates in many industry trainings to keep her competitive edge and industry knowledge up to date. Shalini earned a Master in Business Administration in Systems and Operations form the Institute of Management Technology in Ghaziabad, India. “I am very excited to join the F&M team and I am eager to execute IT strategy to deliver business transformational values and user experience using both contemporary and traditional technologies,” said Singhal. In this newly created role, Shalini will provide leadership for our IT strategy, systems and team.
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