Main

From Our Family to Yours

With the holiday season upon us, we find ourselves reflecting on the past year, and our thoughts turn gratefully to our customers and community who mean so much to us. In this spirit we say, simply but sincerely, THANK YOU. We wish you a warm and merry Christmas season, and a new year filled with peace and prosperity.

F&M Security Tip: Use only trusted merchants when shopping online. Any website can be attacked by hackers, but limiting your shopping to established and trusted vendors limits your exposure. Bookmark the most trusted online retail sites to make sure you don't get redirected to fakes.

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

This link will navigate you away from our domain. We are not responsible for and have no control over the content or subject matter of this link.