Does your bank listen?

Personal Banking

Here at Farmers & Merchants State Bank, you know that we’re always willing to lend an ear so that we can customize your banking needs.

Discover Personal Savings Opportunities

Bunker Creek Farm Rice

Growing On
Bunker Hill Creek Farm, Rice, MN

The Hackett’s thriving 900-acre operation is a result of long-term commitment, vision, and trust — qualities they sought in a lender as well. And as a lender with roots in farming, they discovered an advocate who saw their potential and treats them, well, like family.

If you're ready to start or grow your business, we're eager to listen.

Making Your Dream Home

Mortgage Lending

As you search for just the right place to live, our home mortgage specialists are ready to partner with you.

Learn About Our Unique Home Loan Options


The Road to Success
Executive Express, St. Cloud, MN

On the fast tract to growth, Larry has grown Executive Express from a small local operation with a few vehicles and employees to a regional transportation enterprise. Along the way, he’s worked with Farmers & Merchants to finance his ambitions.

If you’re ready to start or grow your business, we’re eager to listen.

What do you want to be?

Business Banking

When you find out what you want to be when you grow up (no matter how old you are), we’re here to provide the financial support you need.

See Our Full-Service Business Banking Options

Testimonial Video

Hear from a local business owner!

Old Capital

Working Capital
Old Capital Tavern, Sauk Rapids, MN

Bringing Old Capital Tavern to life was no easy task. From inspections delayed by government shutdown, to repeated rejections for financing, many would have simply given up. Instead, Aaron Salzer and his team turned to Farmers and Merchants and a banking relationship began. High standards and unique, customer-focused offerings have made Old Capital an award-winning success. The key: Stay focused and keep it simple.

Ready to tap into your business vision? We’re eager to listen.

Ready to get into gear?

Ag Lending

If it’s time to grow your operation, we’ll get your lending questions answered and decisions made quickly.

Get Agriculture Loans and Financing

Testimonial Video

Hear from a local farmer!

Because Friendly Still Counts