Because friendly still counts.
Welcome to a bank that truly listens. For everything from personal and business banking to ag lending, we’re here to serve you locally.

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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.
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Luke’s Expert Segment
This past October, Business and Agricultural Loan Specialist, Luke Rushmeyer of Farmers & Merchants State Bank joined Kelly Cordes of WJON to chat about all things commercial and agriculture lending. Learn some of the key duties of our Loan Specialists and their...
See the Legatt Family Story
Starting with a fun little interview by their oldest son to one of our ag lending specialists (thanks for playing along, Luke!), this short video shares the story of the Legatt family, how long they’ve been banking with Farmers & Merchants State Bank, and why...
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.