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FDIC-Insured—Backed by the full faith and credit of the U.S. Government

PROUD BOOTSTRAP PULLERS, SLEEVE ROLLER-UPPERS, WHEEL TURNERS, BARNRAISERS & DREAMMAKERS SINCE 1897.

And we’re just getting started.

At F&M, we appreciate the work it takes to build and sustain something worthwhile. A business, a home, a family – it’s all hard work. But it’s also the most rewarding. Helping the families, farmers and business owners in our great region live their best lives is what keeps us going strong.

We’re a community bank vested in helping people live their best lives.

As your local bank, we’re here for one reason: to serve your personal and business banking needs. Whether it’s helping you finance a whole new dream home or renovate one dreamy corner of it. Or whether you need a line of credit to manage cash flow or a lease to maintain your fleet.

Always reaching for solutions, not sales quotas. Always stepping up for our neighbors.

Farmers & Merchants State Bank offers a full range of traditional, online, mobile and telephone banking products from personal checking and savings accounts to auto loans, home loans and business banking. Find out how we can work for you.

Personal Banking

Pay bills or pay yourself. Bank online or on the go. Build credit and perks with every debit purchase. Find all things personal finance right here.

Your best life.

We built every branch of F&M Bank around supporting you and your community—to help you flourish. You work long hours to see your dreams come true. So do we.

Business & Agriculture

Open a business checking account. Save money for taxes. Apply for a business loan. Find all things business banking right here.

Don't see what you're looking for?

Find Online Banking and every other banking solution under the Midwest sun right here.