Making Your Dreams

Did you know?

In addition to our three locations in Pierz, Sauk Rapids,and Eden Valley, Farmers & Merchants State Bank offers convenient online banking services, including eStatements, order forms, and helpful financial tools.

Learn more about our Online Banking

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

Did you know you can finance your mortgage through Farmers & Merchants State Bank? We are an FDIC, Equal Housing Lender — contact our friendly staff to see how we can work together to make your dream home a reality.

Learn more about our Mortgage Financing


One Cowgirl, Many Hats
Tribitt Ag Construction, Hillman, MN

Diane turned to F&M for help with clarifying her direction, guidance in running a rapidly growing business, and a tailored financing package to bring it all together. Today, Tribitt Ag Construction builds commercial grain bins nationwide, storing everything from corn and oats in Minnesota to pistachios in California.

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

Making Your Dream Project

When you could use the support of a lender who truly understands helping businesses with their banking needs, let us give you a hand. You’ll receive prompt and convenient service, customized to your goals and your needs.

Learn more about our Business Banking

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.

Making Your Dream Job

Because many of us are farmers too, we know firsthand the joys and challenges that go along with the world of agriculture. At Farmers & Merchants State Bank, we help fellow farmers sustain and grow their operations—and have for several generations.

Learn more about our Ag Services

Because Friendly Still Counts