Routing #041207341
Rates Contact Careers investor Locations
Menu Close

YOU'RE READY TO BORROW BETTER.

So are we.

Find a loan that works hard for you.

Lock in a mortgage rate you can afford. Manage debt with a low-rate personal loan. Drive away happy with our low, fixed auto loan rates. Auto loans to personal loans at rates that make them work for you.

MORTGAGE
HELOC
CONSTRUCTION LOANS
PERSONAL LOANS & LINES OF CREDIT
AUTO & RV LOANS
CREDIT CARDS

Meet the F&M lending team.

We’re transforming banking, one hardworking loan at a time.

LEARN MORE

The F&M blog

The Caitlin Clark Effect: Empowering Women's Sports
Predicting the Economic Impact of the Upcoming Solar Eclipse
Assessing Your Financial Resolutions: Q1 Check-in
See All Posts

Calculators & Tools

Personal loans calculators, home mortgage calculators, auto loan calculators and more.

LEARN MORE
Farmers & Merchants Bank
Stay Connected
Careers Help Schedule an Appointment Website Accessibility Farm Financial Statement (XLS) Opt-In Form Consumer Privacy Notice (PDF) Make a Loan Payment Security Center Terms of Use SEC Documents & Filings Fraud & ID Theft Personal Financial Statement (XLS) Order Checks
NMLS #407535 Routing #041207341

© Farmers & Merchants State Bank. All rights reserved

Member FDIC Equal Housing Lender