Data Breach

The latest in a string of merchant data breaches, Kmart has announced that their payment data systems were recently infected with malware, resulting in debit and credit card numbers being compromised. We would like to assure you that Farmers & Merchants State Bank has systems in place to alert us to these breaches, and procedures in place to reduce both your and our risk of loss. Continue reading...


F&M Tip:  Update your computer operating system on a regular basis.  Keep your browser current with the latest security updates.  Use updated anti-virus and anti-spyware software, and consider using more than one to ensure the most thorough scan. 

Deposit Accounts

We offer a variety of accounts to make it possible to bank YOUR way. From basic checking to money markets and CDs earning competitive interest rates, the choice is yours.

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Loan Products

At Farmers and Merchants State Bank, we understand your needs. We can help with flexible terms that fit your budget. Competitive rates and prompt answers make us the first choice for loans in West Central Illinois.

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Trusts & Investments

With a full service trust department established in 1959, we can provide the professional advice you're looking for. Plan for your future with a wide array of options to meet your needs.

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