Bank, Borrow, Save, Succeed.
Find your future with F&M,
where friendly still counts.
Bank
Borrow
Save
Bank
Whether at one of our three locations or right here online, Farmers & Merchants State Bank has banking solutions for all of your personal and business needs.
Borrow
Need a loan? Looking to buy a home? Expanding your business? Explore the financing options offered here at Farmers & Merchants State Bank.
Save
From savings accounts to interest-bearing investments, we have many options to help you save your money safely and wisely.
What’s New
Now Hiring – Ag/Commercial Lender
Want to play a pivotal role in the success of local businesses and farms while advancing your skills in ag and commercial lending? Then this job is for you. Farmers & Merchants State Bank is seeking a highly motivated and results-driven Ag & Commercial Lender...
Celebrating 30 Years in Sauk Rapids – All Locations
We opened our Sauk Rapids location in October of 1995, so this marks our 30th year. How time flies! To celebrate this milestone, we're hosting bank-wide, month-long activities, expressing our gratitude to you, our customers and communities--who all made it possible...
Happy Labor Day
Just a friendly reminder that our branches will be closed on Monday, Sept. 1, as we honor the hardworking people who power our community and whose effort drives our local economy. Labor forms the backbone of prosperity, and every job—big or small—fuels growth,...
F&M: Our Story
Take a look at this video to hear about our longstanding history in this community, where Farmers & Merchants State Bank has served generations of customers for everything from farm and ag-related banking to business banking and personal banking.
Let's Get Started
Questions? We're ready for you. Come visit us in person or simply pick up the phone. We look forward to sharing the friendly Farmers & Merchants State Bank experience with you.