Data Breaches

Recently, the consumer card industry has been subject to several debit card security breaches originating at large retail establishments which have garnered national press coverage. 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...


CONSUMER ALERT: The U.S. Federal Bureau of Investigation has warned retailers to expect more attacks on data security. The agency has reportedly reviewed 20 incidents over the past year that were similar to the recent breaches on Target, Neiman Marcus, and Michaels.

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.

Learn More

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.

Learn More

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.

Learn More

  • To access this website your Internet Explorer needs to be updated.

    To get the best possible experience and added internet security using our website, we require you to upgrade your current web browser or install another web browser. A list of the most popular web browsers can be found below.

    Just click on the icons to get to the download page.
    Please note: These links will navigate you away from our domain.
    We are not responsible for and have no control over the content or subject matter of these external links.