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
Celebrating 30 Years in Sauk Rapids – All Locations
We opened our Sauk Rapids location in October of 1995, so this marks our 30th year. How time flies! To celebrate this milestone, we're hosting bank-wide, month-long activities, expressing our gratitude to you, our customers and communities--who all made it possible...
Happy Labor Day
Just a friendly reminder that our branches will be closed on Monday, Sept. 1, as we honor the hardworking people who power our community and whose effort drives our local economy. Labor forms the backbone of prosperity, and every job—big or small—fuels growth,...
FHLB Des Moines Member Impact Fund Triples Our Giving
Recently, the Federal Home Loan Bank of Des Moines (FHLB Des Moines) awarded $20 million to hundreds of eligible not-for-profit and government organizations in Minnesota. Farmers & Merchants State Bank was one of the hundreds of financial institution members who...
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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.