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
Happy National Siblings Day!
Today, we celebrate the unbreakable bond between siblings by shining a spotlight on our very own CEO and President banking brothers, Todd and Steve Zaun! Their partnership is a testament to the power of sibling relationships, where trust, support, and mutual respect...
Closing at 4 PM-Today, WED, Apr. 2
Due to worsening weather and road conditions, all three of Farmers & Merchants State Bank locations will be closing at 4 PM today. We want all of our customers and employees to get home safely. Drive carefully everyone! Happy spring????
It’s National Ag Week: Celebrate Farmers & Agriculture
Today marks National Ag Day, celebrated during National Ag Week, and hosted by the Agriculture Council of America. This event underscores the profound impact agriculture has on our economy, communities, and daily lives. We proudly stand alongside and serve farmers and...
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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.