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
Closed for Juneteenth (June 19)
We'll be closed, Thursday, June 19, in observance of Juneteenth, also known as Freedom Day. This federal holiday honors the date, June 19, 1865, when the last Confederate community of enslaved Americans in Galveston, Texas, received word that they had been freed from...
Legen-DAIRY Days 2025 are Coming!
National Dairy Month is almost here. During this month, we recognize Minnesota’s hard-working dairy farmers and businesses. As a community bank, we’re proud to serve them. From financing new milking equipment and robotic milkers to supporting family farm expansions,...
Q2 2025 The Local Ledger – Spring & Shine!
Spring is here! At Farmers & Merchants State Bank, we feel the hope and energy all around us. Farmers are mostly done planting, gardens and fields are sprouting, flowers are blooming, and our community is alive with new beginnings. As we look around, we see 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.