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
2026 F&M Scholarship Applications Now Open!
Farmers & Merchants State Bank sees students as our next generation of leaders and the future of our communities. Each year, we offer scholarships to help local graduating seniors in pursuing their academic journeys. Applications are now open for the 2026...
Holiday Hours
Just a friendly reminder of our holiday hours. We will close at noon on Christmas Eve Day, and be closed Christmas Day and New Year’s Day. We’ll be spending time with family and friends. We hope you will be too. Merry Christmas and Happy New Years! We so...
Q4 – The Local Ledger – Merry Christmas Communities!
As the year comes to a close, we want to thank you for being part of our banking family and for embodying the spirit that makes central Minnesota and our rural communities so special. Your trust, hard work, and commitment to looking out for your neighbors are the...
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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.