Because friendly still counts.

Welcome to a bank that truly listens. For everything from personal and business banking to ag lending, we’re here to serve you locally.

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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

Pick Your CD Term-Start to Earn

Pick Your CD Term-Start to Earn

Now is a great time to consider opening a CD. A CD, or Certificate of Deposit, is a financial product that pays a set rate of interest in return for leaving a fixed amount of money in our bank for a set period of time. Annual Percentage Yield (APY) rate of 5.30% is...

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8th Annual March Food Drive

8th Annual March Food Drive

The Farmers & Merchants State Bank’s 8th Annual March Food Drive is underway. Our goal: to help fill the food gap in Central Minnesota. Did you know that in 2023, Minnesotans made 7.56 million visits to food shelves—an increase of 1.8 million visits—a record high...

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F&M: Our Story

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.    

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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.

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